HAVE OTHERS HAD TO PAY SURGEON FEE UP FRONT BEFORE SURGERY WITH INSURANCE APPROVAL

I thought I had done it. :-( I have approval from my insurance company, knew I would have to pay about 1,000 of my portion (60/40 plan) before the insurance would pick up the rest at 100%. I was excited to call the docs office only to be told that I HAVE to pay the surgeon's fee (4268) out of my pocket up front at least 1 week before surgery and then I'll get a date. Then once I have surgery my insurance company will be billed and what portion they don't pay of the surgeon fee will go toward what I've already paid! So if their allowable charge is only 3000 of the 4268, then I would be refunded 3,000 from the doc and I will have paid 1268. Now I realize that his fee includes lifetime care, but I thought this is why we have insurance coverage. There are allowable charges and WE (the consumer) should NOT be paying above what the insurance considers the allowable charge. Are others having this same problem or is this possibly because my doc hasn't worked with my insurance? My surgeon is Dr. Sifers in KC. PLEASE LET ME KNOW IF THIS IS THE NORM. If it is, I can accept it knowing that I will have to have surgey put off awhile to come up with that much, but at least I'll know it's not just me. THANKS IN ADVANCE!!!

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