It depends on how much your Max Out Of Pocket is and how much you have left of it after your deductible. I didn't realize how good my insurance was until I was talking to my mom about her deductible and Max OOP. I meet my deductible and put a big dent into my OOP every year just by doing therapy I feel like. Then add in the extra appointments for pre-surgical clearance and you are knocking away more. I am having unrelated neuro-psych testing done next week and if it doesn't finish out my OOP, then I am assuming I'll get pretty close to it since I only have less than $500 left. It's possible I won't have to pay anything out of pocket for the actual surgery since my maxes are so low. You can call your insurance provider and ask them about your benefits and where you are with your deductible and Out Of Pocket, and also ask the insurance person at the doctor's office for the billing codes as well.