Question on 80/20 pre-pay - my surgeon's office has been in contact

with my insurer. They've been told my WLS would be covered under the Major Medical portion of my BC/BS insurance. This means that I will have to pay the hospital up front (about $36,000), then wait for the insurer to reimburse me following surgery. I'm trying now to get clarification on this from my insurer. If I had the $36,000, I'd be going ahead with this now. Any ideas on how to come up with that amount short-term? I believe my maximum out-of-pocket on this policy is $1600, which is fine, but I have no idea how to come up with the money up front. Has anyone else faced this situation and what did you do to resolve it?

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