How can you afford surgery?

How do others afford this? Can't seem to find insurance that will cover. I have looked into several different insurances and none of them seem to cover?I found a wonderful Dr. in Pittsburgh, PA. Dr. Schauer. I am very confindant in him which I think is so important. The only problem is I cannot seem to find ANY insurance carrier that will cover the majority cost of this surgery with him. I fit all of the criteria. The job that I had perviously had Aetna health insurance, since he wasn't in the "network" they will only pay 70% which means that I will likely end up with a $10,000+ bill in the end. Then with the new employer I am looking into starting with they offer either Cigna or United Health Care or Aetna also. Which I thought were pretty good programs. Well, I called the Drs. office and the same situation. He's not in the network and I will have a $10,000 bill in the end! HELP!!! How do people afford this? I called to see if I could possibly set up payment arrangements and was told majority needs to be put down? I am so disappointed!!! There is no way I can afford $10,000+!! Any suggestions PLEASE??!! Now, I haven't seen the Dr. yet for my 1st appt. He's very hard to get into. Should I wait until they file the insurance paperwork and then take it from there? If so, what should I do from there? I have talked to my insurance companies and was also told this by the Drs. office so I can get an idea of what to expect. So I assume this will be the case through out? I'm so frustrated!!

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