Need Assistance/Advice

Ok, well I didn't have a full 5 years of documentation and in early 2008 after a fall I went to a doctor and my BMI at that time was under 35, then the other weights from doctors after that were all above 35, UHC denied me, I had a letter of medical necessity from my surgeon, my letter, my weights from last 3 years, photos, everything. I am going to appeal once I get the letter, but considering in the meantime to self pay. If I self pay this will put me in a bind financially. And although my kids are supportive of it and are willing to go through a month or two just "getting by" I am so afraid to do it. I cannot finance, low credit. I know this surgery will keep me from continuing my life in pain from my back and I do have family support, but I do not think they will help me with financing nor with any portion of the payment....I have no idea what to do. I would put it off, but I am in agony and feel that I can do this surgery which is less expensive and less time off work vs. having a back fusion....

Any advise from anyone would be appreciated...what are your experiences, anyone run into this? If so what did you do...