I'm going in for surgery next Thursday for a lumbar laminotomy/discectomy at Mount Sinai Hospital in New York, NY. I am using an out-of-network surgeon. My insurance, CIGNA, is supposed to pay 60% of what is "usual and customary" for out-of-network. They are saying they will pay $3K (coincidentally, the same amount as my deductible.) I am going to fight them to cover more, for I can't imagine that there are any decent spine surgeons in NYC taking $3K for this type of surgery. Does anyone know where I can find data on what is usual and customary in a particular geography? Thanks!