Hey Warren,
Look, you deserve attaboys for taking action today, calling the surgeon, the insurance, your doctor, and finding out the realities. Most people don't have the cojones to do that, and you did. Look up 'cojones' if you don't know what they are... :-)
I'm very happy to hear that you're going to stop cutting. Here again, your instincts are right on.
You've got a good head on your shoulders, young man. Yes, it will take some problem solving to get your surgery and all figured out but I am certain that you will do it.
Emma