Of COURSE you should have waited!
Unless, of course, it would have killed you.
The only way you'll ever *know* is if PC kills you anyway, at which
point you still won't really know whether your wait accelerated anything
or not.
So your gut is right: the answer is "who knows?".
Or you could drive yourself nuts doing days or weeks of research and
statistical analysis into a six-month delay, which would provide . . .
statistics.
Are you a statistic? If so, what side of the statistical curves would
your body have followed?

Fuhgheddaboutit. It's done. You did the best you could, and the cards
will fall where they may.

I.p.

It is very unlikely that waiting 6 months would have made any difference in
your outcome.

I am a little surprised at your out of pocket expenses. Most "good"
insurance plans like Cigna and Aetna cap the maximum out of pocket to
between $1500 - $3000 per person, per year for In-Network providers. These
are PPO (preferred provider org) plans (not HMO's). A large percentage of
providers participate in the In-Network for plans offered by Cigna, Aetna,
and United PPO's. Out of Network caps are usually about $10,000. Was the
seed therapy considered out-of-network, or did you not even have a PPO plan?

One thing to remember is that even though the Insurance companies get
reduced rates from most providers, the US government gets even lower rates
for Medicare, so the doctors and hospital had no incentive to suggest that
you wait.

But more important, some on this newsgroup would like to know what your
experience was with the seed therapy. How was your recovery, urinary
continence, sexual potency, etc, after the treatment.

I'm not sure what you're asking 3Putt.  Are you wondering how it
is that a 3.5 hour hospital stay generated a $68,000 bill?  Are
you wondering why four doctors split $22,000 for less than half a
day's work?  Are you wondering why no one advised you that you
would be socked for $5,000, or could avoid it by waiting?  Or are
you perhaps wondering why our health care system pays for all
this if you are 65, but not if you are 64-1/2?

I wonder about all of that myself.  But I guess it's all too
complicated for a simple fellow like me to understand.

I wish my Congressman would explain this to me.

   Alan

You was robbed.