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Hey Chris, I hear where you're coming from. People have no clue how bad insurance companies will fuck you over, given the chance, until they themselves are fucked over.
Check into grants / programs and such. If it is truly purely cosmetic, I doubt you'll have luck, but if the problem requires any sort of special care and is disabling in any sense you should be able to find something.
If this will truly make her happy for the rest of her life, pay the downpayment the hospital / dr. wants, work out a payment plan and have it done. Worst case, if you can't afford it later one, file for bankruptcy.
Good luck.
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