Newbie with self-pay concerns

Hi everyone. I've been lurking around for a couple of months getting inspired from you all and becoming very excited about WLS! I have finally chosen my surgeon and procedure (banded plication with Dr. Enochs) but I have some real concerns about the cost since I am self-pay. I have BCBS - NC but my BMI is slightly less than 35. I have been told that even though the band was approved by the FDA, our insurance will not pay for it yet and it may be a couple of years before they do. I am approaching retirement age and just don't want to wait any longer. I can manage the cost of the outpatient surgery (barely) but my fear is "the unknown". What if there are complications? For example, will insurance pay if I have to be admitted for dehydration as a result of the surgery or anything that requires medical attention? I would love to hear about experiences of self-pay people about post-op care and costs!! Thanks!!