It will really depend on the insurance, what your deductible is, co-pay, percent covered, and secondary insurance if you have any.
For instance I have Medicare as my primary with Medicaid as my secondary.
Medicare typically (not gender related procedures) covers 80% of the hospital costs, while Medicaid picks up the other 20%.
Best advice I can give you is to call your insurer. Verify benefits, and start the prior authorization process.
Often insurance will pay a set amount for a certain procedure. If you're surgeon charges more or less than that amount that affects your out of pocket costs.
Hugs,
~Brooke~