Hi, I'm new too. All I can say re the cost is look into getting private health insurance and waiting the year if you can, maybe do it in consultation with your doctor? I have just finished waiting a year for my policy to mature and am booked in on the 8th of Nov. My surgeon would not accept me as a patient if I didn't have private health cover. I dont know if that is common or not?
Cost-wise, I'll be out of pocket about 5 or 6 thousand (not including the cost of insurance) but otherwise it wouldn't have been possible. Good luck with it in any case.