I dont need more medical at least now. But I dont know about future. In the previous mail from them, they said they will take care of any other related issue if it happen. But in this mail they said they will not do that as well. Could it mean I should pay them my surgery expenses?
I don't think you would have to reimburse them for the surgery that they've already paid. Generally, the Carrier is responsible up through the date of them filing the dispute. If you want, you can fax me the dispute letter you received and I'd be happy to look at and give you my thoughts on it (free of course). My fax is 210-222-1480 or you can also email it to me at: email@example.com.