I would check with some of the surgeons that are in your area. I know the doctors bill the insurance much more than they actually get paid. I can't remember the exact amounts, but there was a huge difference between what they charged for and what they actually got from the insurance. I would say the best thing would be to make an appointment with a surgeon you are considering and let them run your insurance and see what they tell you that you will owe and go from there. Good luck!
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Melanie 
Banded 2/14/2008
Dr. Michael Orris WLIAZ
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