I assume you crunched the numbers to figure out how much this surgeon would cost you. I know we have an OOP maximum, but you have to account for the deductible (which would apply even with an in network doctor) and any co-pays until you hit the OOP limit.
I am not aware of whether you can appeal to the insurance company. Will the doctor reduce their rates in light of this?
I am curious why they didn’t ding you for seeing an out of network doc when you had your original visit(s) with him/her.