Considering how benefits are usually financed by employers I doubt that you will ever be able to get this. It's not as simple as "oh we won't need to pay $10k

Considering how benefits are usually financed by employers I doubt that you will ever be able to get this. It's not as simple as "oh we won't need to pay $10k for your BCBS? Well, sure, let's give it to you". Employers usually pay insurance ("stop loss") instead of health plans.