Thanks so much,
Rumpled, 12 is still more then anybody should ever have to go through.
I did call my insurance company today about the 20% and they said that since my hospital does treat the conditions that they won't grant an exception. I will talk more to my Dr's about this. Perhaps if I did get a letter with supporting documentation they will reconsider. Plus if it is coming from my DR, it puts a little more weight on it.
Even if I don't get it covered, I will still probably go. My moms friend worked for a hospital in the accounting department and she said that as long as you consistantly pay $5 a month they can't take you to court for payment. I might just have to do that. I don't feel comfortable have major surgery at a hospital that just told me I was too complicated of a case and tried to refer me elsewhere. It is my life we are playing with here.
Thank you so much for all of your input. I truly appreciate it!