Private Pay Questions

Company policy (all levels) excludes all things obesity/weight loss surgery related including all co-morbidities. Have to private pay. What is the risk that I will be denied insurance/treatment in the future due to this procedure? What happens if I need surgery for complications? Has anyone had surgeon use non-weightloss surgery diagnosis codes to cover corrective surgery? Has anyone successfully negotated private pay "retail rates" lower? What percentage of bill does the insurance company pay if I were covered? Basically I want to offer what insurance would pay plus a 10%. Can this be done? Can I negotiate a lower premium with my employer since they will directly benefit from a lifetime of lower costs once I am normal weight? Has anyone done this? What future risks am I not thinking about? Yes, I have thought about changing jobs and insurance but that's not possible for the next 5 years due to contract. Thanks for your expertise in advance. SD