I too am kinda new to the site, however I have already gone thru all my paperwork and I have a surgery date of Aug 4th. I am not diabetic, however I have a lot of physical issued associated with my weight that make my job more and more difficult every day. I am also 38 and I weigh 215. My insurance does not cover weight loss treatments, so I am a self pay. What convinced me that this is the right step? My mom had a massive stroke 5 yrs ago and is bound to a wheel chair the rest of her life. That will not be me!!! I have to get healthy at any cost. Dont worry about insuarnce, if they dont pay, there is financing out there. When you balance the rest of your life and the health you will get back, it is worth every penny. Think about how much we spend on going out to dinner. If from now on, I share with my husband insead of ordering my own, we will save enough to pay for the surgery with in a few yrs. I am excited about my mew and upcomming life. Good luck to you both.