Don't give up! I think the figures they gave you are very inflated. Those sound like "billed charges", not the rates the insurance will pay. My husband has lap RNY in Cincinnati in April, and we had to pay 90% of network rates, so all of his bills came to about $1300.00, which means everything came to about $13,000. (Billed charges looked to be about $35,000). That includes the surgeon, anesthesia, hospital, etc. For anything above the $10,000 Med Mutial will pay, I am sure you can set up a payment plan ahead of time. See if the doctor's offfice will give you the codes they bill, and then call Med Mutual to see what they pay on those charges. Even if you don't get but one or two codes, you will have a better idea of what you will actually have to cover.