Medical Insruance

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I have a headache!! For a couple years now I've endured Glaucoma and cataracts but didn't want to have the surgery due to out of pocket costs. So I've finally kicked the can down the road about as far as it can go and it's pretty much essential if I want to continue my current quality of life. I've been to the doctor and have things kind of set and have received a Patient Cost Estimate for the procedure and I'm floored by how little the insurance company will actually pay. A rough estimate is that the entire procedure will cost $8,000 with the insurance company picking up about $2,500. Gee, thank you very much. That leave me with the rest (approximately $5,500) out of pocket. And this is "in network". My insurance is through my employer and cost me roughly $400 per month, multiply that by 12 months and you means roughly $4,800 per year. And I've been employed for 8 years which translates to roughly $38,400 in premiums. Am I wrong for thinking insurance companies have the biggest scam going?