Almost all plans cover a 2nd opinion. Many will require it for certain procedures and tests. Call Customer Service. And.....GET THE PERSON'S NAME AND DATE OF CALL! Insurance carriers record their calls. If there's ever a problem, refer back to the information so they can listen to the call. If they gave you incorrect information, most companies will honor the advice. Do you have a Certificate of Coverage? Be sure to read it. That's the 'end all' of information.