Unfortunately, my insurance won't cover the surgery, so I have to pay out-of-pocket. I have made an initial consultation appointment to see Dr. Beltre in Altamonte, Springs, Florida. How does this work? Meaning, I know insurance companies make you wait anywhere from 3-6 months. Do you still have to go through the waiting period? Ideally, I would like to have the surgery as soon as I can so I won't miss out on summer fun with my boys (ages 11-17). Plus honestly, I'm afraid the longer I wait, the more apt I am to chicken out.