I didn't have the everyday bleeding like you, well only once while i was on Orthotricyclin, but I did have issues with heavy periods. My GYN told my about the ablation NovaSure. He gave me the options of the ablation vs. the hysterectomy. I chose the NovaSure. It changed my life. It saved my life.
I wasn't luck enough to have the bleeding completely stop, but my cycles are now about 4 days long, and I hardly notice them. BIG difference from the 9 day cycles and having bathroom visits every 20m for the first 3 days using overnight strength tampons AND pads.
One thing to look into is if you use tampons, I have heard that using the wrong strength can cause you to bleed more ... not sure if that's true.
Truely, you need to talk to the hospital and see if there is a foundation or something, payment plans. The situation you are in is very life threatening.
In your situtation I would probably opt for the hysterectomy. That way you don't have a failure option and have to do the second surgery.
As for the cost, most insurance are year based, not event based, so the $3000 would be lessened by any money you've already paid out.
Also, if you go to the ER, they might deem the surgery an Emergency and give you the operation before making you pay for it. Especially if there is a community hospital rather than a private hospital.