Knee replacement surgery for Sudhakar: covering what insurance won't

Sudhakar was diagnosed with a herniated spinal disc in July. The surgeon at Howrah General Hospital recommended knee replacement surgery, and He is scheduled for September. The hospital's financial office gave us a written estimate of $2,200, and after what my insurance will pay we're still $1,100 short. my husband has been in and out of Howrah General Hospital since July. The doctors say a herniated spinal disc will get worse without knee replacement surgery. We have emptied our savings and borrowed from relatives, but the estimate of $2,200 is more than we can find. While we wait, Sudhakar struggles with daily life and can't stand for more than ten minutes. 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 10 weeks. During that time Sudhakar won't be able to stand for more than ten minutes, so the costs keep growing. I'll pay the hospital and pharmacy directly and post every receipt in the updates section. Where the $1,100 goes: • Hospital stay (2 nights): $560 • Surgeon and anesthesia fees: $420 • Physiotherapy sessions: $75 • Post-operative medication: $45 Thanks for being kind about this. - Mohan