Lunatic Fringe, if you are in US you could have signed up for health insurance. They cannot exclude you for preexisting condition. May have to sign up in Oct for 2016 now. Can you wait that long.

Spinal fusion cost $90,000 on the bill but insurance beats them down.
Cost of Lumbar Fusion surgery - $90 K

Depending on the insurance you choose may be deductible and copay. Pick insurance plan wisely. Make sure it covers the procedures you need. THere are agencies that help people like you find a plan.