Financing options
Have you thought of alternatives? Do you have a 401K that you can borrow against? Maybe refinance your house and get cash back? A credit card with a high limit? Or might be time to get a second job and put all that money in savings towards your surgery.
I've been working two jobs for several months. It kinda makes me sad that all that money is going to go away...but it's better than oweing it - and if it works - then it'll be worth every penny. :)