Does anyone here know much about how health insurance works? Specifically, if my hospital stay begins at the end of December and carriers over into January, will I have to pay my deductible for both 2014 and 2015?

My deductible is $2500, of which I have already paid nearly $1000, so if I am understanding this correctly I will pay $1500 of medical expenses involved in the spinal fusion- as long as those expenses incur before the start of 2015. Eh?

I have a choice of when to schedule this surgery, I can do it anytime in December, but I have a 7 year old and I don't want to ruin his Christmas or miss out on it. But if it means spending an additional $2500 then that's something to consider.