When do I pay out of network?

Even though Ive been fighting for approval for over a year a half, I finally got approved, But I do have some questions about how the insurance works. I have a $200 In-Network deductible and a $400 Out of Network, So I understand I'll have to pay that, but If I Go in-Network my out of pocket cost Maximum for the year is $1,500.00 and If I go outta Network its $3,000.00. Ok my question is this, Do I have to pay that amount before I have surgery, Or Do I have to have it After, Or can I make payments??How do they decide who gets the money? Im worried because right now, we have alot of medical bills that I am paying for,since last year, when my youngest daughter needed surgery. And it would be really hard at the beginning of a new year to come up with $1,500 not to mention $3,000. Im not sure how all this works so any help would be appreciated to calm my fears of huge medical bills.....

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