Do whatever you have to do to get it covered. Many people forget to consider surgical complications, which do arise. I certainly hope that everything goes 1000% perfect for you, but should anything arise, just a single day in a Neurosurgical ICU will cost you more than a few thousand dollars. Don't even think about risking it. Also minimally invasive is the way to go, your recovery time will be like night and day compared to the open procedure.