Hi dengle,
It seems that insurance companies have standard pre-reqs that you will need to meet, all of which cost $$. Here's the list I had to address:
lab work
6 monthly of dietician appts
upper endoscopy
cardiac eval (if you are over 50) -- stress + echo
psychological consult
radiology exams (chest xray, ab ultrasound, upper GI)
sleep study
Its an intimidating list, no doubt people on the surgery fence won't go the distance. And you find stuff thats wrong with you in the process, which isn't fun, LOL. For instance, now I know I have a hietal hernia, GERD and sleep apnea! I got coverage information in writing from insurance company upfront.
Edited to add -- we have tons of men in the group nutrition classes, so maybe the one you did was an anomaly?