Also some insurances don't require the 3-6 months of supervised weight loss and visits. I had my four year follow up appointment a few months ago and in the exam room my doc had a chart posted for info with a list of insurance companies and their requirements. About a third of the ones listed (mine included) had none. I had six l weeks between my first looking up info and surgery date. I only had to get all the clearances or might have been quicker. My insurance didn't require much and I have a biggie in California.