I am also in Fla facing the same issue with insurance.
I do have a possible solution for myself with the costs, I have a 401k that is large enough to work with if i can word the hardship well enough.
What i would like to start with is finding a Dr. office to start correspondence with in Florida that is experienced in this surgery. Once I find that, I will start working on the rest.
So any recommendations for a fellow Floridian would be awesome.