PUTTING SHOE IN MOUTH!!
Kimberly,
Congratulations and good luck!! And don't put your foot in your mouth! This board is here for people to vent on.
As far as out of pocket for the surgery that varies from company to company and plan to plan. I would either call your insurance company directly or speak to the insurance person at your surgeon's office to get the correct information. That way you know ahead of time what exactly is expected from you. I do have one friend who paid about $15,000 out of her pocket but she said it was worth every penny.
Kathy