$5000 max lifetime benefit--is this doable??

So my insurance finally covers bariatric surgery but they have maximum lifetime amount of $5000.00.  I know insurance negoties rates with doctors but that seems awfully low.

When I checked into the surgery last year they said the cost was $28-29k so how can I found out realistically what insurance will cover?

My husband had gallbladder surgery and the cost was over $12k and insurance only paid $1k or something like that so I'd like to think this MIGHT actually be doable but it just seems so unbelievable.

Anyone have more info or can shed any light?

I'm waiting on dr's office to call me back and hoping they can provide more info but I always like to hear real life stories too.