Trust me I understand! I am planning to going to MX but the ONLY reason is because I feel like my insurance is going to deny because i don't have a 3 year weight history because I never went to the Dr. However, I am still doing all my requirements like my 6 month diet and all the other classes that i need to do. We are going to submit and see what happens and even try a peer to peer but I refuse to wait another year. So I have my back up plan just in case.
So yes I think you need to do your insurance requirements and at least try to get it approved then if it don't work you can always go to MX.