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So I posted in the insurance forum, but I just can't believe that I am having surgery one way or another end of Jan or beginning of Feb. even if insurance gives the final no, I am able to use 401(k). I didn't know if my work offered it, but they allow hardship withdraws. And I spoke to my accountant about how to work it so I'm not paying the 10% penalty on top of taxes. Just need to find out exactly how much and wait to hear from insurance. Then with they pay or I pay. But the main fact is IM GETTING SLEEVED!!!!