I used True Results in Richardson, TX and loved it! I also had the same issue with insurance not covering and had to have the EGD to see if I had a hernia so that they would pay. And I did! I was hoping I had a hernia too! They said if you ever have heartburn, you more than likely have the hernia. I had my EDG on the 20th which is a simple test where they put a camera down your throat and see if you have the hernia. It was a simple process, no pain at all and you are alseep through the whole test. On the 24th I hadd my hernia removed and I got my lapband! I was lucky enough to qualify for the Care Credit and that is how I was able to pay for the part that the insurance didn't cover. I do know that True Results offers in house financing too. Hope this helps! Good luck!!!!!