How do I balance these needs?

Yesterday I found out my insurance (Cigna PPO) has approved me for gastric bypass surgery! YAY, right? Maybe not. I was permanently laid-off my part-time job April 30th. I'm trying to get my Unemployment Benefits. I've also been trying for 9 mo. to qualify for Social Security Disability due to some serious health issues (not all of them related to obesity). Needless to say, money at our house is pretty tight right now. I found out that insurance is paying 80-20, which means our part might come to a bit less than $3,000. That is so much more than we can afford at this time, but I desperately want (and need) the surgery. Any advice for me?

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