A kick in the gut.....
If it is a matter of the deductible you will owe the clinic or doctor try to work out a payment plan with them now. They don't like to cancel a scheduled surgery because they like to stay billable. I'd give them a call and if the billing coordinator says she can't help then ask for the office manager or program coordinator and as a last resort go directly to the surgeon. You have nothing to lose at this point than your time. Good luck.
unfortunately that is one that you can not get around....if it makes you feel any better I was scheduled to have mine in Jan 09 but I broke my leg and you can not have major surgery after another for 6 months (so they say) so that would put me into july I was scheduled in July....I got real sick, they cancelled me...I had it finally on Sept 1st. Now I know right now your feeling all kinds of feelings, but know that you were not told NO you are just being told not now....3 months will go by quicker than you realize and its so so worth the wait....trust me.....