Hi Jdmdiv--I had my surgery in November with the same group of surgeons. I am with Dr. Lusco out of the same office. I was a self-pay patient because, like you, weight loss surgery was specifically excluded from my policy. (Worth every penny, by the way!!). Your best bet is to call Lana or Debbie at the Lap Band office at St Mary's and have them call your insurance company to be absolutely sure that they won't cover you. If that's truly the case, then they have a self-pay program that is all-inclusive that covers your surgeon, the hospital bill, all adjustments for the first year, and participation in the exercise program for six weeks after surgery. The only thing it didn't include for me was about 3 separate bills for minor costs--I can't remember exactly what they were for but they were minor. The total that I had to pay was $17500, but like I said, that includes everything. I believe that someone told me that they also can help you obtain financing if you need it. After the first year, I'm told that they have a very good plan for adjustments also. I haven't gotten there yet--I'm only about 6 months out from surgery, but it's the best thing I have ever done for myself. It has literally changed my life. Good luck to you and let me know if you have any other questions!!
