i waited to do my surgeyr... not because of $, but because I was nervous about the procedure, and initially,, the pain (while a nuisance) was tolerable... I'm at the point where it's not something I want to deal with anymore...
My HMO sent me to a doctor w/in the network who lacked major experience. I opted to switch insurance plans when my employer had the "open enrollment" period... I have probably delayed getting surgerya bout 6 months by doing this...but I figured I"ve put up with the pain for a decade..what's six morem onths to go to the doc I want.
granted, I will pay out of pocket b/c I am going to a PPO / doctor of my choice - but in the end, I figured paying a few grand out of pocket will be worth it if I get a good result... if you truly cannot afford even the costs of a copay if you were to go to a PPO / pay for it - then just get it done with who your HMO gives you.
if you don't like who they sent you to - try this.. find a doctor who IS in their network who has MORE experience, who you woudl prefer, and then petition the HMO to send you to that doctor. if the doc is within network, costs may be very similar. don't give up when the first person says no.. apppeal it... the HMO's only care about costs..so if you canf ind a doc that is in their network, who can do it for the same cost, push and push to get that doctor...
good luck.
in the end..if you are in enough pain...any doctor who can "fix you" will be better than the pain you now have.. good luck