A, You will need to double check your insurance. Normally when January 1st comes, a new plan kicks in place and the new price shows up about two weeks later.
He's very concerned about the surgery and the insurance. Sit back, wait patiently....he's going to tell you very soon what he's having done. He's, in his own way, putting the bait out there for you to ask him. Don't! He needs to be man enough to tell you what is going on w/him.
Take care.
Sit quietly, the answers will reveal themselves when you least expect them to. The past is gone, the present is a gift and you need to focus on today, allow the future to reveal itself when it is ready.