Hello @nycdave7 David. It was awhile ago and I know every insurance company is unlike every other when it comes to coverage, noncovered issues, approvals, etc., etc., etc..

We were out of our network and our uncovered clinic expense for the trip was just over $40,000. That said, there were post-surgical complications, an ensuing coma, and weeks of inpatient care and therapies. As I said each case/patient/situation/insurance carrier is truly unique.

Later, when we had other coverage I recall talking with the intake/business office pre-visit and they were able to give me an estimate of what my out of pocket would be.

We never, ever regretted our decision.
I hope this has been of at least some help.

Stength, courage, and peace! Scott