Well, now here is an interesting turn of events. My insurance just called to inform me that I do not have out-of-network expenses, and my new neuro and the hospital he's with is not in-network.
That causes me to explain that I started all this by calling my insurance for suggestions and I guess the neurologist is in-network, but the neurosurgeon isn't.
I explained my reasoning for not wanting my surgery done in my area, and she is going to work with me and see if a neuro we agreed on will take my case. This hospital is only an hour from me instead of 3, so we'll see. IF the neuro says my case is too complicated for him, she will see if she can get me the okay for the neuro I have set up with already.
What a mess.