<prompt> Human: So, like the title says...My surgeon is great. Hes smart, has a decade of experience, is a part of a successful team...not to mention 1 of 2 orthognathic surgeons in a 100 mile radius of me. :lAnyways, Im 21 years old. I need double jaw surgery for medical reasons. Insurance preapproved the surgery, and once its said and done my out of pocket cost will be 3,000. Im still on my dads insurance, and its a really good expensive plan. The thing is, my surgeons office said the FULL AMOUNT not just the part insurance needs me to pay is due the DAY OF surgery...how is this possible? How am I supposed to get a 32k loan for surgery and then just hope that insurance comes through on their part? Is this common? My surgery is scheduled for this month and I stupidly havent given it much thought until now...what am I supposed to do here? My dad is absolutely loaded but will not help me with a single penny, so thats out of the question. My care credit limit that I applied for is only 2 grand... I go see my surgeon tomorrow to discuss some details, so Ill bring it up with their insurance lady then, but until then...Id like to get a better idea of what to sayhow to negotiatesee if Im not crazy for thinking this is a very strange practice.Assistant: No. This is way off the reservation. You need to call your insurance company and tell them because this will be in violation of their agreement with the provider. Human: Well shit, Ive got two completely different answers. I never even thought about calling my insurance company honestly, thanks for the advice. Ill see what they say tomorrow...The surgeon isnt in network, though...does that make a difference? Are they technically still in agreement with the insurance company?  <response>: Thats a big fact you left out -- still good to contact your insurer but the fact they are out of network makes things way more complicated. 