Emergency hernia repair for Sneha: covering what insurance won't

Sneha was diagnosed with a thyroid nodule that needs removal in June. The surgeon at Gaya University Hospital recommended emergency hernia repair, and She is scheduled for September. The hospital's financial office gave us a written estimate of $1,500, and after what the public health scheme will pay we're still $1,200 short. my mother has been in and out of Gaya University Hospital since June. The doctors say a thyroid nodule that needs removal will get worse without emergency hernia repair. We have emptied our savings and borrowed from relatives, but the estimate of $1,500 is more than we can find. While we wait, Sneha struggles with daily life and can't drive. Her family has taken turns caring for her, and I've cut my own work hours to be there. Recovery is expected to take about 12 weeks. During that time Sneha won't be able to drive, so the costs keep growing. I'll pay the hospital and pharmacy directly and post every receipt in the updates section. Where the $1,200 goes: • Surgeon and anesthesia fees: $540 • Hospital stay (3 nights): $450 • Pre-operative tests and imaging: $70 • Post-operative medication: $35 • Physiotherapy sessions: $60 • Travel and lodging for the family: $45 Ask me anything below before you decide. I'd rather you were sure. - Manisha