I am unclear about the cost quote given with respect to insurance. She said that was the quote with my insurance, and it would never exceed that amount, even if insurance declined coverage post-surg. You get the quote in writing, and with the $500 down payment, you're ready to schedule.
I have decided (at least for now) to go to a local bariatric group; however I won't know for three months (after I've gone through all the prep procedures [with their out-of-pocket deductibles] and weigh-ins and classes, etc etc) whether insurance will approve my procedure. I had to bulk up by a couple of pounds to get over 40 BMI (and at the first weigh-in, they used an incorrect height to calculate my BMI). I'm not wild about this particular local group--not particularly good about followup and communication. For example, they scheduled me for an endoscopy mid-December. When I showed up, I was told I had to pay a $900 copay/deductible for the procedure. Afterward, I kicked myself black and blue because I should at least have postponed it for two weeks so it would count toward my 2019 out of pocket max. It just seems to me that someone should have given me a heads up about that cost. (God knows how much the sleep study will cost me.)
So I have to master the art of changing all of my eating habits, exercising daily, but NOT LOSING ANY WEIGHT until my final weigh-in for insurance approval. After that, it'll be full steam ahead.
If insurance doesn't approve my surgery, I'll be back in touch with Blossom Bariatric.