Hi Ramona, Hang in there. I am in the same boat your in. My insurance has a written exclusion as well. Although my surgeon's fees have to be paid upfront, I was fortunate enough to be able to work out a payment plan with the hospital and they even reduced the amount I'd be responsible for paying them. Maybe you could do the same. Just don't give up, your worth it. Good Luck, I'll keep my fingers crossed for you.