DS had surgery today on his shoulder for a torn ligament. OK, we have insurance but it's the beginning of the year so the deductibles start all over. They scheduled the surgery at the 1st of the year and we get a call on Saturday (2 days before surgery) telling us we need to pay half of the deductible on Monday, the day of surgery. $1,250. How many people could come up with that amount with 2 days notice? We've always been billed before and paid the deductible over a few months. We had the money but there were times when we could not come up with that much cash in 2 days. I think that should have been disclosed at the time they scheduled the surgery. I was going to write a check but they wanted an electronic transfer. Called DH and told him to transfer money right away from savings to checking so the EFT would go through. Thank heavens we were able to do it but how do others manage? I feel for them if the surgery is needed immediately !