I understand where you are coming from! My insurance had an exclusion for WLS, so I was on my own. The place where I went has a great cash price with 1 year of free fills at $9,900, but that was still a little too much for my budget. If I had a hiatal hernia I would only have to pay for the price of the actual band which was $5,500. I figured I had one because I started getting horrible heartburn out of nowhere everyday (that's one of the symptoms of a hiatal hernia). Turns out I did have one (thank God)! No, you are not crazy for wanting a co-morbidity if it means that you won't have to pay a dime for this amazing procedure, plus once you get it the sleep apnea should resolve itself, correct? If you don't have it hopefully they will be able to cover something (unlike my insurance ).