BliS insurance covers you for complications that may arise from surgery. If you have a complication (leak, stricture, bleed, clot in leg, pulmonary embolism, etc...) who pays for the care for that complication? If you have no coverage you may be surprised to find out that you are on the hook, even if you have general medical coverage through insurance. That can be financially disastrous. Thankfully complications are pretty uncommon. You can check out if your surgeon carries BliS by contacting the company via the internet. I provide a complimentary 90 day coverage policy for my patients and thankfully have not had to use it but its better to be covered in my opinion. 8000 for the hospital, surgeon, anesthesia and pre-op and post-op care is a great price! Best of luck to you on your journey!