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Future coverage for self-payers

My insurance company covers lap-band surgery, but they require a 5 year history of BMI > 40, which I don't have. If I self-pay for the surgery, then later have a complication, will the insurance cover that? It seems like it would then be a medical problem, right?

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    When I had my surgery done, my insurance didn't cover the procedure. They have since started to cover the procedure, but won't pay for my adjustments. I don't know if they would cover any related problems, but I am not counting on it.

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