ACL reconstruction for Derek: covering what insurance won't

Derek was diagnosed with a hernia that has become strangulated in August. The surgeon at Los Angeles University Hospital recommended ACL reconstruction, and He is scheduled for November. The hospital's financial office gave us a written estimate of $13,250, and after what my employer's plan will pay we're still $7,900 short. my son has been in and out of Los Angeles University Hospital since August. The doctors say a hernia that has become strangulated will get worse without ACL reconstruction. We have emptied our savings and borrowed from relatives, but the estimate of $13,250 is more than we can find. While we wait, Derek struggles with daily life and can't look after the children alone. His family has taken turns caring for him, and I've cut my own work hours to be there. Recovery is expected to take about 7 weeks. During that time Derek won't be able to look after the children alone, so the costs keep growing. I'll pay the hospital and pharmacy directly and post every receipt in the updates section. Where the $7,900 goes: • Post-operative medication: $300 • Hospital stay (4 nights): $2,900 • Physiotherapy sessions: $730 • Surgeon and anesthesia fees: $3,650 • Pre-operative tests and imaging: $320 I'll pay this kindness forward the moment I'm able to. - Jordan