good move going to dr muschaweck. you will be in very good hands.
my insurance wouldnt cover surgery- they dont even cover pt or anything else that has helped me with my injury and recovery. actually, dr muschawecks office will not accept insurance. it is up to you to deal with your insurance later if you choose to. her surgery is privately dealt with. when you get the behandlungsvertrag form, that is essientially what it translates into. i had to borrow money for the surgeries but they needed to be done.
btw, one of her secretaries had me confused on where i was staying the night of surgery. your surgery automatically pays for one night's stay at the clinic (hospital). i was mistaken and i spent the night in munich after the first side was done. the second side's surgery had me stay in the room at the clinic. be sure to stay at the clinic after your surgery, you will be tended to and have decent food and lots of german tv, with good beer in the minifridge. the surgery is actually not in munich, it takes place at the residence clinic in starnberg; her personal clinic/office is in munich.
i was in munich 3 days ahead in order to have a vacation (be sure to hit the beergartens) and has 4 days after to recoup (but ended up being 3 days since we had to do the other side afterall).
good luck, it will help! i seem to be getting better every day even with the long term with no diagnosis and resulting problems...
ps you can tell dr muschaweck that the kayaker "reffered" you, she will be happy to hear that...