I'm sure there are all sorts of negotiations and esoteric adjustments going on behind the scenes - $45k was the total of the itemized invoice sent to my insuran

I'm sure there are all sorts of negotiations and esoteric adjustments going on behind the scenes - $45k was the total of the itemized invoice sent to my insurance company. I'm unsure exactly of how much it will cost me out-of-pocket, but I'm expecting $3-4k.