You don't have insurance either? What do you mean? You earn 50K and you don't have. Man u need to have family insurance if ur earning 50K or more. No one knows what will happen next.
I am paying $360/moth for whole family. I can save it (its not mandatory but I am taking it).
I don't know what to tell.
1. They won't deny for surgery but they will send bill later. For non insured, bill will be way high.
2. They might or might not charge you directly. But they will definately charge your wife. If your wife is having ssn and if she fails to pay bill then credit score will get screwed. You can request to lower bill by requesting financial prob or you can go for installement.
3. Going to Nepal/India is another cost and more importantly if your wife is sick and surgery is needed then you should do it.
4. Divorcing all those takes time and your wife is in immediate need of care.

Lesson learned:
If you can afford, never skip auto/health insurance. No one knows what will happen next else we have to say "May God Have Mercy On You".