I had my band covered by United Health care, then our company got bought out and now we have Aetna. I had to go self pay on my fills, but when I had to have my band removed due to staph infection in my gut, Aetna covered everything to do with the removal without question. I was in the hospital 13 days had multiple tests and was only a couple of hundred dollars out of pocket. My doctor told me Aetna (and most insurance companies) will pay for any treatment which is medically necessary. Now I am self pay planning to have VSG and I pray all goes well during procedure. I'm hoping that if I have any problems, they surface after I get out of the hospital and we can go through Aetna to pay (i.e. infection or leaks). With band surgery, if you have any problems like infections, go back to your surgeon, if he will help you get well. Most likely your insurance will cover it. If it is a problem with the band, then your surgeon will most likely fix it at a reasonable rate, or as a part of your original payment. I heard that my original doctor actually replaced a band for someone without charge.
Good Luck and try not to worry. I have found that if something is going to happen, it's going to happen whether you worry or not. At this point in my journey, I am still not mad that I had the band, many of my coworkers who had it done at the same time are still doing great.