He's Canadian. Insurance isn't an issue.
However, I've had this problem with BOTH of my shoulders, and I'm telling you right now...DO THE EXERCISES. In therapy they're going to give you a bunch of rotator cuff drills to do. I suggest you do them and strengthen up. The surgery to rebuild and subsequent therapy is ten times worse than the pain you deal with now.
Oh, and stay away from baseball/football throwing. It hurts. Really bad.