I too am self pay as I don't qualify for surgery through my insurance even though they cover the procedure. Per the conversation I had with them since they didn't pay for and cover the surgery they will NOT pay for any complications or aftercare related to it. That means if I have complications I am on my own. Need to get my vitamin levels checked, again on my own. They will benefit down the road from my having the surgery and getting healthy but won't pay anything towards it. However I really feel like I need to do this. No I don't want to cause a financial hardship on my family and I am praying that there will be no complications but I can't go on like I am now either. So I'm taking the risk, on my own.