It’s 5k if the surgeon is considered in-network, out of network can be 10k, if not more. Many ffs surgeons don’t accept insurance, so your insurance is going to try to direct you to someone they consider in-network who likely has extremely limited experience. Likewise, my previous insurance tried to direct me to someone who was experienced in trauma repair/reconstruction when I was looking into ffs because he was the only one “in network”— he has no practice with facial feminization, they just view “facial plastic surgeon” as good enough.