Yeah, when it comes to really expensive stuff they'll know the minimum, because then they have their own incentives to make sure you can pay, and will be in a financial position to be able to do the post-procedure upkeep. This is especially true when it's stuff with scarce resources like transplants. It's gonna cost a fuckload, you'll have a lot of recurring costs, and they're going to evaluate if you'll be set up for success or not because otherwise there are other people who could use the organs.