beau, does Monash do their procedures through the Hillcrest? I think the Hillcrests bed fees are a little cheaper than the Mater, have only been told that though. I have had a day procedure at the Hillcrest (quite a few years ago) and they were absolutely wonderful.
I agree with Lenny, have a chat to your FS about it. I know it might feel a little funny saying you need to save for a little, but they might have some suggestions for you, plus they might have a plan of action for you while you save.

goodluck with everything.

Nic