Lesa,
I know how you feel. I have tried to have this surgery 3 times and always insurance or job changes/restrictions stopped me. I have been out of work for 5 months now and 2 months ago I decided to take control. Well, someone who had the surgery lit a fire under my butt and said "beg, borrow or steal the money if you have to - just do it!" So I am paying out of pocket maxing out all my plastic (crazy huh?) I know insurance can be a bugger.. but be determined.. don't let obsticles stop you from the quality of life you deserve! I made a little website asking for donations.. i had fun making the site and have actually got a few donations.. mostly it just made me feel good to be productive. hahah
Wishing you well,
Teresa Roberts
www.geocities.com/terrob42