For every 100 people there are 100 different insurance provisions. Please do not give up in exploring possible options, you and your heart deserve the very best. The Mayo Clinic in Rochester has a fund to help people financially to receive treatment there, I have contributed to it annually ever since I had surgery. My nonprofit Medicare Advantage Plan (PPO) assured me that they cover for any medical facility that accepts Medicare. @hopenr you did not say if you were on Medicare, Mayo in Rochester accepts (I called and asked before I went) all Medicare plans. (Note: Jacksonville and FL in general does not accept Advantage plans as far as I know). Mayo in Rochester is out of network for me, my PPO plan does not require formal referrals, my cardiologist just referred me - sent my test results and other information. I expected to pay $800 copay for out of network hospital but was charged $350 in network charge - there are no places in network that perform septal myectomies. Part of the mission statement is: "...offers access to thousands of top physicians across the country." My total medical costs for this surgery were under $500. (I cannot fathom why this insurance model is rarely found in other localities. I am trying very hard to remain unpolitical about the very uneven burdens we face in paying for the excellent health care we have in our country.)