That's cool, I'm in the US, so I'm kind of in a rush since insurance is likely to drop coverage soon and I'm getting too old to outwait the political climate to reverse that. But basically each year I'm hitting my out of pocket maximums, so with premiums and out of pocket I've been paying about $20-25K/year the last 2 years, next year will be closer to $30K since they raised premiums and OOP max on all the plans. And that doesn't cover any travel cost. So far I've spent about $15K on travel to San Francisco the last 2 years since it was either that or wait 5 years for bottom surgery in my city which is not small, but totally overwhelmed.

I'm hoping for FFS next year and for it to only take one round as well as revision I need for the vocal surgery that had complications earlier this year so I don't have to do another $30k+ in 2028. Also hoping I don't get laid off and lose insurance since that's so common these days, especially in my field. Considering the bottom surgery alone was around $400K and revision another almost $200K I'd never afford any of it without insurance. But since we have an "employer funded plan" rather than real health insurance, my employer does know every so single procedure I get and how much they spent on it, so I am a little afraid they'll use that to calculate how much I cost them to employ since that's not uncommon here these days even if likely illegal, but no way to enforce due to legal trickery of shell companies and self funded plans and decades of defunding of the EBSA at the federal level which is the only agency with jurisdiction over "employee benefits" if they aren't "insurance" for the employee and only that the benefits are backed by company held insurance policies.

Anyway, that has me in a rush to get things done, but I'm loving the results despite some complications, the annoyance of dilating, and fighting for coverage.