Thank you all for your input. 010308, thank you for all that info. I like to be well inform and you have given me alot to research and think about. My credit is a little less than perfect and I have a few credit cards that need paying off. So for now if insurance doesn't pay all or most of the surgery then I'll be waiting untill those cards are paid off and I'll be using CareCredit to pay for whatever insurance doesn't. I have a good bit of credit with them. I used them some treatments I'm having done. Anyway, thanks again. Wish me luck!