I live in NJ and have Independence Blue Cross PPO. I knew I was using an out of network surgeon. Never dreamt that my insurance would only cover $890 of the $10,000 bill. I had a 47 bmi, high blood pressure, sleep apnea, high cholesterol and acid reflux. If I had gone into an emergency room with a coronary and needed a triple bypass they would have covered all of it. I'm really pissed. I never would have had this done had I known that they were paying so little.