Also be aware that many employers offer flex-spending accounts for healthcare, which allows you to pay for certain health-related expenses with pre-tax money.

Also be aware that many employers offer flex-spending accounts for healthcare, which allows you to pay for certain health-related expenses with pre-tax money. There can be downsides (e.g. "use it or lose it"), but for planned procedures it can reduce the bottom-line impact by quite a bit. (Probably not relevant in GP's position, but hopefully someone finds it useful)