I have two pending ambulance bills in California. One is $2600, the other is $11,500 (I think that covers 2 rides). They considered out of network but insurance will still limit what they can collect and, frankly, I just wouldn't pay them if they didn't. They're saying I should expect to pay $250 for one and $650 for the other but I don't have final bills yet.

$10k is a massive underestimate for a surgery and a couple days in the hospital. The per day hospital stay alone is likely $10k. My husband's bypass surgery alone was $115k and that did not include individual surgeons, lab work, anesthesiologists. The anesthesiology bill is pending at $6550 (like the ambulances, considered out of network but assume insurance will reduce it).