Maryland. It’s fun ;)
Have you considered traveling out of state for your surgery.
Not all states are in he midst of a statewide lockdown - fewer Cov-19 cases, which says something about the availability of hospital resources also, and some states do allow/honor out of state insurance coverage, though it might be “out of network” with respect to some plan, but then also some states have a lower average cost for some things compared to other states.
I remember looking into that sort of possibility for something for myself awhile back.