That sucks man! Maybe you can change insurance companies at the end of the year and get it done next year, if it's not life threatening?!?! I hear of people going to Mexico and just paying cash to get stuff done. Insurance companies are difficult to deal with sometimes. You ever hear of the saying about HMO's? Have Money Or (die)?!?! If you can switch to PPO, that's what I would do, if you don't have private already. I have paid cash to get stuff done and some doctors will work out finance options with you. Try to look for solutions is what I'm getting at.