For what it's worrh......DO IT NOW!!!!!! I went the insurance route 5 years ago. I spent my entire summer doing a laundry list of pre op tests. My BMI was 38, highcholesterol, high blood pressure, and diabetic. After 5 long months I was denied because weight loss surgery was not a covered item on my policy. No matter what your isssues were! So 5 years latter, 53 years old - I paid my 14,100.00 and was scheduled within the month of my consultation! I had my surgery two days ago and I am thrilled its done and my journey has finally begun. I only wish I had done this 5 years ago!