surgery it is almost next to impossible to get insurance coverage? Say you self paid for lap band and then a couple of years down the road you try to get medical insurance, will the lap band make it extremely difficult?

Well, most employer provided health insurance doesn't have pre-existing condition clauses and a lap band would be a pre-existing condition, I guess.... And in policies that have pre-existing conditions clauses, it just means that the pre-existing condition isn't covered, not everything.