I am coming up within the next few months on my surgery and I am trying to figure out how much the average person WITH 20/80 (any) insurance has to pay up front. I know it will be different for most people because different hospitals charges different amounts. But if you can give you the amount you paid to the hospital before going in for you own surgery, that would be amazing.

Thanks!

P.S. I have met my deductible.

My surgery has cost me about 5500 out of pocket. My insurance paid 30k to the hospital and 15k to the dr. Insanity!

I have Anthem BCBS and a $5000 out of pocket maximum. Based on what my surgeon and hospital have submitted to insurance so far, I will be paying the full $5000. My two night stay was $23k!!!

My coverage has a $250 hospital co-pay and a $35 doctor co-pay. I have a $1500 maximum out of pocket which does not include co-pays and 20% co-insurance. That 20% is what comprises the $1500. So I had to pay the surgeon $450 which included my $35 co-pay and a $75 fee to pay NUT fees for one year. Then I had to pay the hospital a $250 co-pay and the balance of the $1500 for a total of $1860 out of pocket. The surgeon required his part up front. The hospital would have taken the $250 up front and let me pay out the rest, but I paid it all up front the day of surgery.