Has anyone ever had this problem with paying upfront?

I just found out that I have to pay about $7,000 up front before the insurance will pay. I expected to have to pay the $1800 to the surgeon but I was shocked to find out that Baptist Hospital in Nashville requires that one must pay their maximum out of pocket that their insurance won't pay up front before they will allow the WLS surgery at their hospital. My max is $5,000. I am completly traumatized! I was so looking forward to this surgery now it might as well be $5,000,000 I have to pay. It will take so long to come up with that much I might as well forget the whole thing. Does anyone have any suggestions, I'm pretty open to any at this time. Thanks in advance,

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