Why are you so scared? if it's normal surgery, like as it happen with women for eg, ovary related or something, cost for non-insured would be around 6000-7000, heart bypass surgery would be around 20,000(just an standard estimate.)
I am hoping it's not that serious, if not, the cost would be around 6000-7000 which I can think you can easily handle it based on your income. You should be concerned of the cost of how long your wife is gonna be in hospital, that'll get you billed really high. Even if you couldn't pay it all at once, portion of your monthly pay can be taken away, sort of like monthly payment. They can make arrangement that way. But for now, just be worried about your wife, your bill will get paid eventually,.. time passes fast. 
And, it's ridiculous to expect insurance co. covering you the month you are into their policies. Do one thing after this crisis is over. Ask your local congressman, search law about health coverage plan in the state you are living, because it varies state by state. I hope your wife feel better soon.