My insurance is Humana Private Fee for Service. They have a bariatric division. It really didn't take too long for me to get approved, once all the paperwork was submitted. I've already seen my surgeon, but had to wait for insurance approval before I could set a date for the surgery (February 6th) and start on the two week liquid diet. Due to insurance guidelines, I will have to stay overnight, but that's okay. My overall co-pay isn't bad, either. Just let me add this--don't take it for granted that you know what's covered and what's not {co-pays, etc.). Make calls if you have to, and don't give up, especially if you're truly serious about having the Lap-Band surgery. If anyone of you out there is on Medicare, they WILL cover the surgery, but there are a lot of hoops to jump through. One of their requirements is that the hospital you are going to have the surgery at be approved as an American Bariatric Center of Excellence hospital. PLUS--they will require you--if you are a smoker--to stop smoking. There will actually be a blood test done--either a number of days before your surgery, or the day of: I don't recall exactly--that will let your surgeon know whether or not you've been smoking. If you test "positive", your surgery will be cancelled. I don't think this takes second-hand smoke inhallation into account, and I don't know of further ramifications of a positive "smoker" test, but I'm sure they're out there.There are more requirements, and I am sure that there's somone "out there" in the lap band community who knows more than I do about this, and I welcome their input.