I don't know much about the insurance issues but I do know that you DO need to inform your dr about your surgery if you have an infection, cold, etc and he/she wants to put you on an antibiotic. You are at risk of getting c difficile from the antibiotics if they don't give you probiotics. I just went through 2 mos of H*#L from this illness and almost ended up with a permanent bag - I had a subtotal one year ago TODAY -YAY !!!!!!! and came close to death and I was hospitalized in isolation. My poor husband has had to disinfect our house with a bleach solution. I was put on one med for 14 days and it came back the next day so they had to put me on another med for 6 weeks that cost $8,000. thank God for insurance, so please let your PCP or any other dr treating you know you have had your colon removed. It's been a long haul but we are praying it doesn't return because it can at any time.
I hope this helps answer some of your questions and that you are now feeling better.