Hip replacement surgery for Smit: covering what insurance won't

Smit was diagnosed with a herniated spinal disc in October. The surgeon at Nagpur Orthopedic Institute recommended hip replacement surgery, and He is scheduled for January. The hospital's financial office gave us a written estimate of $200, and after what my employer's plan will pay we're still $150 short. my son has been in and out of Nagpur Orthopedic Institute since October. The doctors say a herniated spinal disc will get worse without hip replacement surgery. We have emptied our savings and borrowed from relatives, but the estimate of $200 is more than we can find. While we wait, Smit struggles with daily life and can't work a full shift. His family has taken turns caring for him, and I've cut my own work hours to be there. The recovery period is expected to take about 7 weeks. During that time Smit won't be able to work a full shift, so the costs keep growing. I'll pay the hospital and pharmacy directly and post every receipt in the updates section. Where the $150 goes: • Post-operative medication: $45 • Pre-operative tests and imaging: $45 • Travel and lodging for the family: $60 Thanks for reading all this. - Riddhi