Hi and I'm not sure if this will help but I'll just tell you my story and some things I found along the way. Now realize I was recommended to Mayo for a Heart Transplant evaluation and at the time it was just a precaution to have it done in case my Heart got worse.
I at the time had BCBS which normally is not contracted with Mayo except for Transplants. But it turned out my heart did get worse and I got the transplant. But here is where it gets expensive for me. My insurance only covers the transplant and the first year of follow-up treatments for the transplant related things. Now after my first year I did devope some blood and virus issues(this was pre covid) and had some hospital stays where the insurance became out of network. So my out of pocket went thru the roof. I'm actually still working that part . The insurance did finally cover the hospital stays but I also needed Iv treatments for a virus causing blood problem. These treatments I had monthly and cost 8000 dollars each. Luckily during that time I was able to get a secondary insurance from my military service called tri care which has helped.
So long story is I set up a payment plan. I owed along with some out if pocket from the transplant well over 30,000. But that's getting reduced thru some mistakes in billing. I ended up calling and setting up a payment plan for 500 a month. Now the web site says 10% but when I did it with a live person they said they could set it up for far less. So for the better part of 3 years I was working on it at 500 a month. So my suggestion is there pet answer will be 10% but after talking to a counselor in the financial dept it became a lot less.
Also I would also suggest getting in contact if your eligible with the social worker dept. They have many ways of suggesting options on programs and departments that have helped me a lot.