I am just tickled!! After speaking w/ a fellow nurse (who is going to be banded in just a couple of weeks!) I took her advice and called Dr. Duncan's office and spoke w/ Pam. My hope was she would get the ball rolling just a little faster. Well, much to my surprise she just called me back, told me what my insurance's expectations are & I now have my 1st appointment scheduled for 10/18!! I'd be lying if I said I didn't wish it was in September, but no complaining!! I'm SO happy right now!!! Thank you Jane!!! :thumbup: