So because insurance and hospitals are a mess I have to be in a self pay agreement. The theory goes I cough up about $45k, do surgery, they bill insurance, insurance refunds the hospital, then the hospital refunds me. What might happen is insurance gives the hospital the middle finger and I’m out a down payment on a house worth of money then I get to sue everybody and see what happens. In hindsight I probably should have just done medical tourism but I didn’t have the capacity to figure that out at the time and now it’s a risk to my life if I go much longer without surgery
The other costs are flying out of state for large volume hair removal because I can locally only get like 1-2 hours a month since everyone is booked out. Also needing constant therapy because everyone needs increasingly specific therapists letters for me to get anywhere. Finally because I’m getting surgery out of state I need housing for a month so that’ll be like $2-5k depending where I can find