I was in your same position I have wanted a Lap Band for 4-5 years now but couldnt afford it out of pocket then, when my daughter was 3 months old I found out my insurance actually coverd the lap band, my doctor said that he would even consider me until my baby was a year old and I was completely bummed then when my daughter was about 10 months old I switched doctors and he actually refered me but that didnt mean I was approved I then moved from NY to TX and changed doctors yet again got referred again and went to my first appointment to find out I was approved now my surgery is in less than a week and im so excited I cant believe after all these years of wanting the LapBand I finally get it! Keep your head up it will happen for you!