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I need someone to ease my mind (money matters)

I'm under blue cross blue shield my co-pay for my hospital stay is going to be $2,500 (I checked and checked again and this is indeed the correct amount.) I will also be paying 15% of what it takes to perform the surgery during my consultation I was told this wouldn't be more then $3,000 dollars. I have a massive pit in my stomach. I understand a copay will be expected upfront, but if I'm going to be expected to pay the rest of this upfront I'm probably not going to be able to get this for up to a year. Does anyone know if payment plans can be made in something like this? Any experience anyone can offer to help ease my mind?

Sent from my iPhone using the BariatricPal App

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