Welcome, I too live in Maryland. I'm currently waiting for approval from my HMO (CareFirst, Blue Choice). If CareFirst is you HMO....good luck getting any answers from them. They have the worst cutstomer service I have every spoke with.....I've found if you call 7 different people, you will get seven different answers. The HMO required 6months documented supervised diet (on line didn't count). Believe it or not I did get a straight answer on that question. I'm getting really excited. Dr Singh at St Agnes will be my surgeon. I went to the support group for lap band patients even though I'm not banded....it was really helpful! Good luck on your journey!