It is genetic, so this really wasn't a surprise to us. DD's left eye turns in occasionally. We're scheduled to see a specialist as soon as they can fit us in, but my question is mostly about insurance and costs.

She was born this year, so her deductible on my current plan has been met, but starting October, she'll be covered under a new HDHP with my new job

If she does need surgery and they can't get us in before our insurance changes, should I pay out for COBRA or eat the cost of a new deductible for just 3 months? Is that even possible to continue a plan with COBRA when you could be covered under a new plan? Ugh. How expensive is this surgery anyway?!?