Nicole, i have Gulfstream core source and im well aware of the process. Dr Kelly is awesome, I just had my surgery on June 17th. Insurance covers little in the pre surgery part but 100% of the surgery. So over all I paid about $1,000 out of pocket but it was a little here and a little there not all at once. I can tell you once you get here it will be a minimum of 3-4 months before you have surgery. Get it this year because as of next year our insurance changes and who knows what will be covered.