Mary, My MD is in Middletown, my insurance co. said I had to wait 6months with a weight and food track before they will approve surgery the person who does the insurance at Dr Kwon does not think I will have any trouble with it because I have co-morbity problems. But all the testing I have had and all the Md's I have seen have been paid for by insurance with out problems my primary doctor allready wrote a leter and my psych eval will be done by my own PhD I too have always struggled and have lost hundreds of lbs. it never stays off and i still have to do the 6 months Let me know how you are making out Liz