Wow. So sorry you're struggling with this. I do think, though, I did hear from someone on this forum (from a different country) where the lap nissen is done as an outpatient procedure. When I had mine, I went in one morning, and came out the next morning. In most cases the procedure doesn't require a long stay. Of course, you never know. There can be unexpected complications.
I think Bill has a good idea...could you ask your doctor about that possibility?
Terri, I think it's more important that you have a surgeon who is eminently qualified and experienced in the Nissen Fundoplication procedure. You can't just go with any surgeon who's willing to do it. Your successful outcome is dependent upon a surgeon who has had lots of experience doing this particular procedure.
This is very stressful for you. I'm not sure it's something you want to go forward with if you have so many financial concerns. Could you do the appeal and reschedule after you've won? I think you'll win...it's hard to believe that an insurance company would not be able to be persuaded. I may be too optimistic. Something has to be done about this crazy insurance situation. It's not at all fair.
Lots of people here have had the surgery, and we can support you through it. We'll try to answer your questions, and help you through.
It's a surgery that I'm very glad I had, and wish I'd done it sooner.
Best wishes with your decision. Let us know what you decide!