Hugs and I'm so sorry. I know how you feel. When I had united healthcare through my old employer they didn't offer it. Luckily for me my new job offers and covers it. Try looking into going to Mexico. I've heard and read lots of good things plus it's much cheaper than trying to pay out of pocket in the United States.
I am in the same boat with you. My doctor submitted my paper work on Tuesday. They told me it can take up to 15 days to make a decision. So far the only news that I got is that it is pending. So hopefully I will know by next week. Good luck to you all????