I am so sorry that you are going through this medical drama and the insane costs associated with it even after insurance. You are very smart to shop around, it can be amazing the differences in prices for the same procedure depending on the practice. 

Several years ago I went through quite a mess.  It went undetected for years and years between pelvic exams and pap smears and all of the routine preventative care.

Turns out I was smuggling a grapefruit.  I was in for something entirely different when the size of my uterus caused concern for not my regular gyno.  Hilarious as I thought the comment was considering I'm scrawny as all get out it turns out there was something very wrong.

I have a pretty high pain tolerance and everything about my reproductive system was super easy and uneventful for me until late 20s.  Things got uncomfortable and inconvenient and progressively heavier.  I was stupid and chalked it up to "oh THIS is what people complain about." 

Based on what stand in gyno blurted out in his shock, I decided I needed to get in with the best of the best surgeons.  The gentleman I went to is a bit of a laproscopic pioneer in his field. 

I had, for my entire adult life, wanted let's call it permanent birth control.  But insurance wouldn't cover since it was elective and doctors didn't believe that my clock wasn't going to start ticking later in life.  Everyone refused. Instead of growing babies I grew grapefruit.

All I have left are my ovaries.  But not before jumping through red tape, medical hoops and escalating to Tarantino levels of gore on the regular.  Even my surgeon, as amazing as he was, said he was hesitant to operate because I am under 40.  In the same breath he wasn't sure there would be much left to stitch back together and my fertility would be heavily compromised.

I did several months of hormones in order to shrink the tumor before surgery.  I was adamant about the size of incision, would not agree to "power tools" to break up the tumor, and would not accept a full hysterectomy that would mean I needed to be on hormones for the rest of my life.

Insurance still deemed it unnecessary and I ended up billed for close to $30k for the surgery.  One night (though less than 24 hours) in the hospital because surgery went much longer than expected and I wouldn't make it through minimal observation time before the last window for discharge.  My surgeon's portion of that bill? About $1,400. For a 5 1/2 hour surgery.  With my PITA self as a patient.  

It took a few years for my body to recover from the hormones I took before surgery.  Recovering from the surgery itself was uneventful and surprisingly quick.  The wear and tear I put my body through in those years I ignored the nonsense has been repaired.  My surgeon was a saint.  My insurance company? Meh. 

Even with the amount of money and hoops I had to jump through it was worth it and I'd not hesitate to do it again.  At my two week follow up the surgeon laughed at me because all of these gripes and aches and pains I'd forgotten since they were the norm for so long had left and it was beyond amazing.  

It would've been great if I didn't end up with a huge medical bill.  Women's reproductive health does not seem to be a priority in the world in general.  Don't let that rob you of a life free from discomfort despite the challenges.

I don't know where you're located but there are companies that will finance medical bills on great terms if you cannot work out payment plans directly with the doctor and/or hospital.  There are also doctors and surgeons that will help you locate the proper resources.  

I know it's frustrating and can seem hopeless and pointless when you run into barriers but you should not compromise on your health.  

I'm in the midwest US but if I can help by sharing details or even a potential referral please message me.  I can check in with my doctor and see if there is someone in your area he would recommend, too.  Any way I can help, just ask.

Medical stuff is always stressful. Financially, and otherwise.

When my DH had a heart attack, he had really, really, really (can't stress that enough) crappy insurance. When the ER, hospital, cardiology, radiology, and all the other bills started rolling in, I called each and every one and negotiated (and even begged and pleaded). Every facility was willing to work with us and slash the prices.

If you truly need a procedure, please don't not have it because of money.