I am a self pay patient in Memphis, TN. I paid $19,500 for gastric bypass on December 2nd. I was never told ANYTHING about complication insurance. I didn't even know this existed. My surgery was done through a Center of Excellence, so I still had to meet a few requirements that they have people using insurance complete. Overall I met all the requirements (nutrition class) and saw all docs (psych, cardio) and had a surgery date within 2 months.