Dang. I have a $5K deductible (when you work for yourself, insurance is WAY high) then they pay 80%. In reality, I'll be paying less going to Mexico and not have to deal with all the hassles from the insurance company. I have a 40 BMI but no co-morbidity issues (I'm a healthy fat girl ) so I'm sure it would be ages even IF I got the OK from BCBS.