I have a lipoma on the left side of my upper back. 2 wks ago I went to 'my' Dr. who ref me to a 'surgical specialist'. The 'hospital' said this 'procedure' would cost $10,000!!!! I have not met my 2,500 deductible w/ BCBSTX therefore, in order to 'reduce' the cost of this surgery I would have to pay my deductible 'upfront'.... still, my 'out of pocket' will be $3,000 in addition to mtg my deductible...ANY GOOD ANSWERS???