I asked my surgeon the same thing because I have an autoimmune disorder and I get sick often badly and he said if my caugh or cold is not very bad at the time of surgery then they can figure something out, if not they can reschedule.
-Surgery Date 4/29/16
If all else fails, you can go over the boarder to get it done. That's what I'm doing. I am getting mine done in Tijuana Mexico on April 29th. He is highly recommended and I got approved right away. Of course you need to pay out of pocket for it but the packages include everything except for your plane ticket and food and stay for your guest if you choose to have one.
-Surgery Date 4/29/16