The average out of pocket cost for back surgery is from $100,000.00 to $150,000.00 which is in some cases more money than some people have paid for their mortgage.
So if you need to pay for back surgery out of pocket you'll likely need to get a loan for $100,000.00 or more for the back surgery.
Most health insurance will cover the back surgery cost if the back surgery is medically needed to prevent you from being crippled or worse.