This morning, I got the phone call from pre-registration wanting my money.

The actual cost of my surgery as billed will be $63,201.

Insurance allows $18,909.

So I'm on the hook for my deductible ($500) and 20% coinsurance to a max of $1500. I've already met quite a bit of that, so they just took a grand from me and I will pay the rest when the bill comes and all the dust settles with other claims that are pending.

I was shocked at what the actual bill will vs. insurance though, and I know I've seen other people ask for those numbers, so here are mine.

Insurance is crazy. If the hospitals, healthcare providers and insurance companies would work together instead of trying to screw each other, everyone would benefit.

I am in the Dallas area and self pay. My surgeon charges $12,200 for the procedure, covers 2 nights in hospital, pre op labs, OR and all follow ups. Although, I'm sure that if it was insurance it would be much more.

Right??

I am very grateful for insurance. I know some people spends tens of thousands more than my measly $2k. I am very very grateful.

Just saw my bill this weekend. 49500 just for the surgery. Then another 500 a night in hospital. Over 3k for anesthesiologist and another 2k in random stuff, X-rays and the like. Unreal. It the. Shows the adjusted down for being in network, less than half. It is all just a game. They mark it up so when they adjust down it is what they would normally charge. Gotta love the system. But ya, thank goodness for insurance.