You have my deepest sympathy. I'll give what advice I can. You letter is too wordy, the details are not neessary (please do not be offended) I'm telling you in case you need to write a similiar description to someone else. Keep it simple, exactly what do you need.
Also, I'm not sure you are on the right site (this does not sound like a grant issue, but maybe I'm wrong). As a disabled person myself, it seems that out group falls through the cracks. I have slightly too much to qualify for medicaid, but not enough to pay my bills. The state process can take months, you can die in the process and then get turned down.
Unless someone else more knowledgable on this site has better ideas, I would suggest, appealling to foundations and charities that address your cause. Or perhaps a medical center who takes hardship cases. You could appeal to you insurance for special consideration -especially if i would save them money in the long run.
Good luck, I hope you are not having severe pains, although I suspect you are. Do you have any assets to sell for the surgery? Have you tried a church?