Heart Transplant Surgery $998,000

In 2004 I was diagnosed with Lymphoma  Cancer and to save my life I required Chemo and Radiation.  This year in Aug I was told I had pneumonia due to the excess fluid building in my lungs.  When none of the antibiotics worked to elevate the fluid, in Sept I had an electronic mitral valve replacement done to stop the flow of excess fluid going into my lungs.  In Oct, Iwas placed back in the hospital because in  layman's terms, the squeeze factor to pump the blood from the heart to the other organs, for me is only working about 25% of the time.  So I need a new heart!  My insurance does not kick in until Jan 2018 if I can wait that long I still have a 90 day waiting period and a 20% co-pay on an organ transplant surgery. Please help, what ever you give will be greatly appreciated.