ACL reconstruction for Leo: covering what insurance won't

Leo was diagnosed with a large ovarian cyst in November. The surgeon at Calamba Community Hospital recommended ACL reconstruction, and He is scheduled for March. The hospital's financial office gave us a written estimate of $1,600, and after what my employer's plan will pay we're still $950 short. my father has been in and out of Calamba Community Hospital since November. The doctors say a large ovarian cyst will get worse without ACL reconstruction. We have emptied our savings and borrowed from relatives, but the estimate of $1,600 is more than we can find. While we wait, Leo 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. Rehabilitation is expected to take about 12 weeks. During that time Leo 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 $950 goes: • Physiotherapy sessions: $60 • Hospital stay (3 nights): $350 • Surgeon and anesthesia fees: $540 If you're reading this, thank you.