Attended the Wellbourne Seminar. Opted against it because of the requirement by Dr Wellbourne for the patient to pay $4500 up front. I have Federal BC/BS which pays all but $100 copays for the hospital stay as well as the surgery. When questioning the staff at the seminar about this, they seemed to get snippy about it. I guess they prefer to only take patients who are self-pay so they can gouge the hell out of them. My wife and I both are going to undergo the lap-band procedure. We would have to cough up $9,000. We are opting for Dr. Baker instead who requires no money up front.