SAHMOF3 Thanks for your reply. Her BMI is over 40 with co-mor. I was kind of afraid to hear that about the small business. Because with all the research I have done it seems like if it is small bus. group insurance it is excluded. This is the case with BCBS here in CA. In my case, my husband and I own a small bus. and are currently shopping for insurance. I am having my broker look at UHC specifically because I have read so many good things about it. But, I also told her that it needs to cover Lap Band. Hopefully I will hear back from her tomorrow with some good news. I don't understand why small businesses would not be allowed to have WLS coverage.