How to meet your deductible fast ?

I literally created an account just to make this post lol. Sorry if these are stupid questions – I'm new to understanding insurance.

I'm getting jaw surgery early next year in late January. My surgeon's office sent a prior authorization for the surgery and it was approved. I have great medical insurance d/t it being through work. It's an 80/20 plan, deductible $500 and OOPM $3000. With the surgery being in January, what is the best and easiest way I can meet my deductible fast so that my insurance can cover the costs of the surgery? In addition to that — how can I ensure that the insurance claims will be processed in time / prior to my surgery so that I can know for sure that I met my deductible and that I will not be paying for this entire surgery out of pocket.

Also another stupid question — I know that if I meet my deductible, insurance kicks in with the 80/20 plan – 80% insurance / 20% co-insurance. If this co-insurance exceeds my OOPM from the surgery itself, does that mean the most I would pay no matter what the cost of the surgery and all the related expenses — will be $3000?

Thanks for taking the time to read this ! (:

submitted by /u/Real_Potato_6626
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