Heather.....No need for tears, sweets! I, too, had to pay a hospital fee, even though my insurance is covering the surgery and the overnight stay. I know $750 is a lot of money. But, you have to weigh what's more important....paying the fee or having the surgery. The first thing I would suggest is to find a good doctor, one with references that you can check out like Carol stated above. Then, find out exactly what your insurnace will cover or not cover. At that point, then worry about the hospital fees, etc., becuase between the surgeon and the insurance company, and all of the information they give you, you will be on info overload. Once you make your decision, then worry about the hospital fees and the $$ it will cost you. You'll be surprised how things will work out in the end.