My insurance didn't cover due to our company being less than 100 employees, plus I have a high deductible. I found a surgeon that had the self-pay option, and it wasn't too bad, 13K total...now the pre-op stuff was billed and subjected to my deductible, which i'm still partially responsible for, but most of the procedures were not too expensive. what state are you in? really look for a specific BARIATRIC surgeon, and not settle for a general surgeon...far less complications w/a specialist. I hope you find someone who can meet your needs! Best of luck to you!