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I need advice and a new doctor

Hello all! I am 39 years old and so excited to get the lap band. I just decided yesterday to do it and told my family who is also excited for me. Now I have PPO and did not go through my doctor I went right to Dr. Oliak in Orange and have all these appt. set up and ready to go for end of August procedure. So, I went through Capital One for additional financing of $6K that I need and only $10K was paid through my insurance. I am being offered a 19.99% interest rate- they are crazy. I think this particular doctors office charges a lot of unecessary things that my insurance will not cover.

So, my question is two fold:

Have any of you had PPO insurance and went through your doctor anyways?

Can anybody refer a lapband doctor to me in Orange County?

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