I was in the same problem as you, I couldn't find any credit, nothing!
So, I talked about this with a friend who told me he went to Mexico. That's what I did and I am soooooo happy!
I could afford my surgery in a very beautiful hospital and I guess the result is better than if I would have done it in the US.
I also found a contest where you can win a surgery, might be of your help, who knows... Contest