I am 58 years old. I had four vaginal deliveries between the ages of 17 and 35, the most recent 24 years ago. I tore my episiotomy after the birth of one of my sons and never had it repaired. I have no leaking of urine, but after a sonogram for kidney stones six years ago, I was told I wasn't emptying my bladder completely. Later, I began to recognize that it was also difficult to defecate completely sometimes unless I pushed down inside my vagina with my fingers. I was thinking seriously about having all these things repaired (cyctocele, rectocele, and torn episiotomy), but have read and heard so many horror stories, I am afraid to do anything until or unless I develop worse symptoms. One gynecologist I consulted with said she could use a laser in her own medical office (out of the hospital) to repair the cystocele, rectocele, and torn episiotomy, and also tighten my vagina to it's pre-childbirth status; but she said she wouldn't file for my health insurance because she said my cystocele and rectocele weren't bad enough to be covered. Another gynecologist I went to see said that the kind of surgery the previous gynecologist had recommended to me was not approved by national accreditation boards and that these kinds of people are nothing more than "charlatans." He also said that laser surgery for this kind of repair was more dangerous than regular scalpel surgery and he said that because there are five other possible hernias that can develop in this pelvic floor area, I would be likely to develop additional problems with the others if I fixed one of them. He referred me to a urogynecologist who said that he would fix everything for me if I really wanted to do it (because it's not that bad) and he would file insurance for repair of the problems because I do have some mild symptoms, and the surgery would take place in a hospital. Because of the hospital fees, the scalpel surgery will cost more than twice as much as the procedure with the female gynecologist in her office. I have a $10,000 deductible with my health insurance, so most of the $16,000 cost of the urogynecologist's procedures will have to be paid by me, out of pocket. I am totally confused now and really don't know what to do. I am not obese, (weigh 170 lbs, 5'6" tall) so I don't think any of this was caused by excess weight. Any advice?