Hi all! I am new to this forum so bear with me. I am still on the fence about doing the surgery. But I'm almost all the way over. Now I am just concerned about financing it. I have contacted my insurance company, Humana, and have found that the approval seems fairly simple. But the benefits are different than my regular benefits. They pay 50% of the surgery and only pay $5000 lifetime max for anything obesity related. Which is fine by me. I can pay for my own fills afterwards. My question is, has everyone had to pay upfront or has anyone been billed after the surgery? The hospital I am going through is Baylor System. My regular doctor is within the system and I've had imaging done through the system. they have always billed me later. If it's billed later, I can always make payments on it. But if not, I may have to save up some more money and do this next year.