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Becky, first you are a Texan and Texans don't let people screw with them. Yes, yes, you're not a super model...even the super models have wacky body issues. But thanks to Photoshop and some great graphic designers, they always look good. Next, time to stop letting the problem work you and you need to start working the problem. There's no such thing as being told no--you simply haven't asked them the right way, yet. Become a squeaky wheel. They want you to tuck your tail, look at yourself, have low self confidence and go away. That's the ticket to increasing shareholder value and revenue. The trick is not to let them make money on you. So, you think you look horrible. I caught myself in the mirror and my legs were absolutely horrible, too. Do I set there and think, "Oh, I can't fix it?" No, I'm a damn Texan and we remember the Alamo and never give up. Stop crying and feeling sorry for youself because that's what you are doing and set up goals. Maybe insurance does deny you but we're not talking about a ton of cash... about the price of a car or less. You can mow some lawns, sit some children, save some money, or whatever you do to reach your goal. Saving a mere $500 a month (or a simple $125) gets you to $5,000 and in two years you could have your procedure. The question is how bad do you want it? America was built on hard work. If this is your American dream, make it happen.