<prompt> Human: My girlfriend requires back surgery soon and the cost the dr is telling her is 35k because he is out of network, although the hospital is in network. The insurance will only cover half of what they think it should cost because of this, so they are willing to give 1800 dollars. Are there any options we have at this juncture. Is it true that if she goes to the hospital through the emergency room then insurance will be forced to cover the surgery?  <response>: Find a doctor that is in network. If she contacts her insurance provider they will give her a list of who she could see. 