1. My last doctor said I might need to have in-patient back surgery in the next year. Do I need to get a referral to see a back specialist? First, direct Ella to the Important Questions chart of the SBC. One important question and answer on this chart shows whether Ella would need a referral before she sees a specialist. A sample Important Questions chart is displayed below in Exhibit 2. Exhibit 2: Sample Important Questions Chart 2. If I do need surgery, how much will it cost me to have a surgery on this plan? You should inform Ella that the SBC cannot tell her the exact costs she will pay for a complicated episode of care like back surgery. Her actual services and costs would depend on her particular medical needs, as determined in consultation with her provider. However, you can show Ella two sections of the SBC that will help her understand potential cost-sharing amounts for services she will receive if she gets back surgery.