I would recommend you to wait and save. The procedure is not urgent, so I don't think there's a point in going to debt. However, do have a plan on when you're going to get the money and get the doctor to agree on the price, so that you...
Yes, it's normal. As someone else pointed out, many American surgeons require full payment before doing anything.
However, the culture of healthcare is different. It's not worse, just different. For example, they normally don't ask...
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