Insurance, self pay, and in-laws, Oh my!

I started out on this journey very nievely. I assumed if I did everything my Insurance company told me to do, that they would grant me this surgery like a fairy godmother, giving me a new life with a smile in thier face. Unfortunately this is rarely the case, and reality is not as clean cut, or sparkly. I went to my seminar and was chatting up the surgeons PA. She told me that of the 5000+ surgerys that she has been a part of she has only once seen my insurance company pay out. Nice. In other words my chances of getting this approved are 1 in 5000. My fairy bubble was violently popped.

I decided that I didn't want to wait 6 months to be told no, so the next step was self pay. Sure, if I had any money it would be no problem. I had a little in savings but no where near what I needed. I decided to go to the bank and talk it over with a loan officer. He told me my best bet would be to refinance a current loan and it would make my monthly payments just a few dollars more a month. Woot! A fly by fairy dropped some glitter on me!

And then the I got the glitter in my eye. The land I was refinancing was cosigned with my grandma in-law, (we were very young when we got the loan). I am so covered in red tape I cant breath already and now I have to go get a quick claim deed, change over an abstract, and get everything noterized, or I could tell my gma in-law what I needed the money for and humbly beg for a signature. I was told that an abstract update could take up to six weeks, and its harder to get three people together to sign a deed in front of a notary than you'd think, and on top of this I have no idea how much it will cost to file or how lond it will take to process. Even without insurance, I cry for my plight.

I decided to talk to my gma in law just to expidite this little venture, only to find that she thinks I'm making a rash deision, one that she is very against. Yay! So as of today I am completely up in the air. It is frustrating not knowing if I will get to use the collateral that I have been paying on for five years. I made my case with the gma in-law and hopefully there will a decision in the near future. I will keep you updated!