Insurance policies and coverages and companies are not cookie cutter. It plays a big role in this process. My aunt and I are doing this together. She had to stop the process last year when her employer changed insurance providers and they required being on that plan for one year before even consulting with a rny surgeon. I have a 6 month wait she has a four month wait. I pay no copays she pays 20. My surgery is completely covered she pays 30% out of pocket. I had to have 6 weigh ins, nutritionist, pulmonary, heart group and xray, blood work, psych. she had to have 4 weigh ins, blood work, psych and nutritionist. In our doc office there is someone dedicated to working with the insurance company on the patients behalf and knowing exactly what the requirements are with each insurance company. Just saying Happy Sunday! 48 days!!!