My daughter lives in New York, I live in WI and she is on my insurance. She has been referred to an out of network orthopedic surgeon there for torn ligaments in her foot. When she called to make the appointment and request the waiver she was told "that's not how it works. You have to pay upfront first". We obviously don't want to do that and risk having to pay a lot more. How do we request a waiver prior to her seeing the specialist?