Thanks Stacey, Thanks so much for your reply. It is hard to get over the injustice of my insurance denial, and paying soooooo much to have insurance, only to discover I have a written exclusion for weight loss surgery. While I have worked to save up the money for surgery, I feel guilty. It seems unfair that some patients have no out of pocket cost and some bear the entire cost. I am trying to get over this and see the bigger (or smaller) picture, it is not easy.