My wifes insurance at work excludes ALL weight loss stuff. I have been told to get some private Ins that will cover a Lapband surgery.

What insurance is the best for this?

There's no easy answer to this question. A lot depends on what state you're in. There may not be individual insurance available at all, or it may be medically underwritten (thereby excluding people who are morbidly obese), or it may be unavailable to those who are eligible for group insurance (such as your wife). Your best bet is to call a broker in your state who knows all the laws and the products available to you.