My surgeries don't cost a cent. I have both Medicare and Tricare for Life from the military. If all that failed, I have the VA. I order glasses from Zenni.com and even with every bell and whistle they are less than $100.
I was petrified the first time, too. I was less scared flying combat missions than having a knife stuck in my eye. Turns out it was a nothing burger, and I'm as calm as a clam this time. (Cataract surgery is the most common procedure done in the US.)
