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in network v out of network

While I wait to hear back from my surgeons office... How is using an out of network surgery center with an in network doctor dramatically less than in network for both? I have UHC.

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    You are going to be stuck paying for almost all of the hospital stay and the surgery. The doctor part is very small compared to all the hospital charges.

    I wouldn't do it. Self Pay would be cheaper some place else.

    Why isn't the surgery center in the network? Will they even approve the surgery with a center not in the network? Most insurance won't.

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