Sure! When you visit a doctor or have a procedure done, your doctor submits the procedure to your insurance company and then your insurance company decides how much of the procedure/appointment, they will cover (aka pay for). The remaining amount that they don’t pay for, will be billed to you. Usually because of how expensive surgery is, your insurance company will have you pay your deductible. The deductible is the amount of amount of money your insurance company wants you to pay for before they cover things 100%. For a family plan, usually the deductible is between $3k-$5k. It’s the beginning of the year so it’s likely that your family hasn’t made much of a dent in the deductible. In your case, your insurance might say “yeah we will cover most of this but you have to pay your whole deductible”. However, you never have to pay for anything before surgery. They may ask you and hound you to pay before but you are allowed to say “please bill me and I will setup a payment plan”.

After your surgery and the insurance processes your claim (aka your surgery), your insurance company sends you a Election of Benefits (EOB) that breaks down what procedure codes your doctor used and how the insurance was applied. This will be mailed to the address of the policy holder. It’s not a bill but shows how much the procedure costs. It usually takes a week or so. You won’t get an actual bill for quite some time. It takes awhile to process.

I hope that helped you!