Big Bills After Surgery
Call your insurance for out-of-network processes made in a network facility – insurance should rebill as part of their network because they were done in an in-network facility and you had no choice.
If you have reached your deductible, have the insurance escalate the bills and settle them out, so your portion is little to nothing. Keep calling your insurance until they work with you to reduce the bills.
Some people can't get support from their insurances, so they might have to negotiate bills with the out-of-network entity. They can often be lowered, and a payment plan may be able to be worked out.
When a surgeon has an associate surgeon assist, they may not be covered by every insurance company. Try to talk to the surgeon office to get them to resolve it. After all, you didn't have the choice to approve the second surgeon. I spoke directly to the assistant surgeon and he told me not to worry - he wouldn't send a bill to me. He said his office will rebill with different codes and he might get 1/2 the bill, or $200, or $100, or nothing. But he would not bill me.
Your best bet is to keep talking to your insurance company and then directly to the offices that bill you.