concerningly high estimate

i have a surgery scheduled less than two weeks from now. when i first my provider i was told i was 100% in-network. however, i did not realize the surgery center they operated in was COMPLETELY excluded from my insurance. i was told it wouldn’t be a problem, though, and i got a letter from my insurance saying that coverage was completely approved to get operated on there as long as the surgery happened before april of 2025. however, just friday i got an “estimate” of about $44k dollars for the surgery (including no breakdowns of certain categories like medications, anesthesia, etc).

i know that it’s exactly what it says, an estimate, and that my next step is to contact my insurance, but how much of a possibility is there that this could be close to what i actually get charged?

for context i have premera blue cross through my employer on my own, i know my deductible is $1k but i don’t remember what my oop max is. i can provide any other details in comments if needed. thanks in advance for any help!

submitted by /u/fuckingveganshark
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