When patients are forthright, doctors are better equipped to make decisions and diagnose illness. In this day of strict organized health plans, a second opinion may not be covered. Weigh the importance of your situation and, if needed, seek a second opinion anyhow. It may be well worth the money. There are certain situations in which a second opinion is particularly important, such as in the case surgery or the treatment of a chronic condition.
Some insurance companies insist on a second opinion before many elective surgeries.
When a second opinion isn't required, they may not cover the cost. Ask your carrier. You question whether surgery is your only option. For example, surgery to relieve back pain is frequently done, though conservative care such as medications and physical therapy often improve symptoms. Your diagnosis is uncertain.