That is if you are admitted to the hospital you don't have the large co-pays. So many of the surgeries now a days are out-patient. Even larger ones like some of the back surgeries. If you are just "under observation" and stay overnight but never get admitted then you may have to pay all of those copays. It would be 15%-20% of the allowed amount. I had this happen with a gynecological surgery. I had to pay almost $2000.
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