Emily - I was in for a similar experience. Bike wreck, broken back, surgery to fuse a couple vertebrae, 9 day stay to rehab and recover. I think the grand total is somewhere in the neighborhood of $145k. I don't know if the higher total is inflation, private hospital, or just cost-of-living difference here, but I'm astounded at the charges reading through the claims. I don't know what I would do if I didn't have insurance.