We have a family medical emergency. The doctor has scheduled the surgery for my wife next Friday. She doesn’t work so she has individual private health insurance. But, the insurance company said she is not covered for the surgery for next 6 months because she is new with them. I tried few other private companies but they don’t want to accept her application because of her preexisting condition. I checked with the county health but it takes up to 8months to process. Probably, she won’t be qualified for low income health benefits because of my average income(about 50K). I am worried about the surgery as well as the hospital bills. As I said, the hospital and doctor has scheduled the date. Can hospital cancel the surgery because of the insurance coverage ? How to pay the bills if the insurance won’t cover (most probably NOT) the bills ? I think she is not going to benefited from the social workers, the county, Hill Burton Free and Reduced Cost care because of my income. I thing they ONLY take care of the low income people (below Poverty level). I also heard about the settlement and monthly payments. Thank you for your advice in advance.