Has anyone had to pay more after their insurance's percentage? For example, my insurance will cover 80% so I will have to pay 20%. So I know how much that will be, but what about the anesthesiologist, hospital room, etc.? I know everyone's insurance is different, I'm just trying to get a feel.

Call your insurance company and ask them. They should be able to tell your or send you info on what is covered. Have your doctor send in an estimate of benefits to the insurance company. The insurance company will send you and your doctor an estimated EOB(explanation of benefits). Then you'll have a really close idea of what it will cost.