(HealthDay) -- Your physician has just told you that you need an operation. You feel numb, in shock. But it's important that you gather your wits and ask your doctor some important questions.

The U.S. Department of Health and Human Services says ask:

• Why you need the operation;
• What it will cure;
• What are the risks.

In addition, ask about any alternatives and what will happen if you skip the surgery. And don't forget to ask about the cost of the operation.

Equally important, the agency says, is to get a second opinion. Many health plans even require you to get a second opinion before they will OK surgery. When you go to another doctor for that second opinion, make sure to bring your medical records so the physician can review them.