I have an iron clad exclusion, and posted earlier, what do you think of this?

Hey, all! I have this exclusion, and intend to fight it, but what do you think of this? If I can come up with the surgeon's fees, will they schedule the surgery and have the hospital bill me? I found out from a collection agency (that's why I can't finance, I have bad credit due to a bankruptcy) that any medical bills sent to collections HAVE to accept any kind of payments you send in because it's medical. So I am thinking, while I am fighting with my insurance, maybe I could come up with enough to pay my surgeon and let the hospital bill me and if I still haven't won with the insurance, I can make payments on the hospital portion, which is the larger bill. Or will the hospital demand coverage or pre-payment on this kind of surgery? People, this is how desperate I am. My blood pressure continues to rise, I have been on Atkins, low fat, etc. but continue to gain. I am 43, and I know some of you know that you can have the willpower and still not lose. It seems to be hormonal and age, because 3 years ago I lost 70 lbs and cannot do it now. I feel like a time bomb and want to get this done NOW. Anyone have input? I love you all and feel the pain of everyone trying to get this life or death surgery and insurance won't cover it. If I become a drug addict, though, I can go to rehab for months and get that covered. I can smoke till I get lung cancer and they will pay for hospital care and any surgery I need to heal from that, but not this. What a discrimination. Thanks for any advice! darci

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