Deductible Question

I have never had a serious surgery before. How does it work with having a deductible/coinsurance? I am guesstimating that I will need to pay about $4000 out of pocket between deductible and coinsurance. I am doing my best to save money in the next few months (not easy for me right now) but I don't get it...do I pay this all in advance and who do I pay?

 
Yes, usually you will either have to pay in advance or arrange a payment plan.  For example, the hospital will check your insurance coverage (and deductible) and try and get you to pay for everything they don't think the insurance will cover.