I do not know if it would relate to your situation, but sometimes the hospital will take insurance that the surgeon does not. Since the hospital is by far the biggest part of the expense and often includes the prosthesis through them, the cost of paying the surgeon may not be much more than your deductible.
For example; when I had my first hip done by Dr Gross 10 years ago, both the hospital and the surgeon accepted my insurance, but after the deductible and paying for Dr Gross's assistant, it cost me about $5000. This year when I had my other hip done by Dr Gross, he does not accept Medicare, but the hospital did along with my supplemental, so the hospital cost me nothing this time. Dr Gross cost me about $5000 with no insurance accepted, and in the end my total out of pocket was almost exactly the same.
Maybe worth checking with some of the hospitals the surgeons use, and see if they take your insurance.