Negotiating cost of surgery

I'm in the process of my male-to-female transition and in desperate need of tracheal shave surgery. I got a quote from Dr. Spiegel for about $6k, but I'm a student and don't really have much income or savings.

I've often heard that quotes are an initial bid from the surgeon. If that's so, how would I go about negotiating the price without sounding like an asshole? Anyone have success with this in the past?