both your oral surgeons have out of date information. OC has in fact moved out of the standard demographic (old men, heavy smokers and drinkers) and can now be found in the VERY YOUNG. we have had several younger members here - as young as 18 - none of whom were smokers or heavy drinkers. There are also a newer demographic of people our age - 30s 40s who are healthy non smokers - non to social drinkers who have had a similar story to yours. Mine is one of them. I'm a vegetarian for heaven's sake. Anyway diligence is the key. call blue cross - go through an ENT - NOT an oral surgeon as you should be monitored by an ENT this is their field. An oral surgeon can likely do the biopsy and potentially removal of the area - however... this cancer can be aggressive and move quickly. This often requires a more aggressive approach - most (though not all) lichen planus/leukoplakia related cancers aren't HPV + This means a few different things.
Firstly - drs tend to be more aggressive with this type of cancer. (HPV + cancers respond very well to rads and chemo only - often surgery is not used except where the tonsil is involved)
So usually depending on your history - and the size of the area, and aggressiveness (differentiation) of the cancer an ENT will possibly remove the area in question (rebuild it if necessary - depending on size) an remove lymph nodes too. At least an experienced ENT who has dealt a lot with Oral cancer will (or should)- that being the case - an oral surgeon cannot do this surgery. He or she could only do part of it. Which may give you a false sense of security if you are told - the cancer is gone.
secondly : often the first line of defense with non HPV OC is surgery! then possible follow up with rads and chemo.

This cancer can seed to the nodes and NOT be picked up on in a scan until it is a reasonable size.

therefore my suggestion would be
SKIP THE ORAL SURGEON.
Get a referral to a top notch ENT who has dealt with oral cancer a lot. This will also solve your blue cross issue as it would likely be considered a medical issue - NOT a dental one.

I know it is different in Europe - but in north america - oral surgeons are considered dental for the most part, but an ENT is a medical/specialist DR. I think they have two different governing bodies.

If you have a knowledgeable ENT monitoring you then you skip the middle man and will be in a position to deal with anything right away rather than be half way through the process and have to be referred to someone else should something more insidious (like cancer pop up)

finally as everyone has said - it isn't cancer until a biopsy says it is. But it is good to be in a position to deal with it immediately if you do get bad news.

welcome and good luck - PS I know money is important but your life is moreso. Don't delay doing what you should. Saving money is only useful if you will be around in the long term to spend it. hugs