If you are thinking of having a surgery, then it is best to get a richer plan--like HMO or PPO--from a major insurance company. You may have to pay higher premiums but you do not want the service to be not covered when you need one. 

HMO--depending on Plans, you probably do not have any co-pays, coinsurance, and deductible. The premiums could be high though. But you have to have a PCP to refer you to specialisits. So, I imagine you will probably have to be referred by a PCP for your surgery. 

PPO-similar to HMO but gives you freedom to choose any provider in-network. You do not have to be referred for any services--you can directly go to  specialists. But the premium for PPO is higher since you have more freedom in PPO than in HMO. But you may also have some copay, deductible, and coinsurance. 

You should see which best fits your need and select the one that gives you the most value.