The thing is, most people who appeal ins denial are eventually approved--the odds are very good. If there's an exclusion on the policy you can change ins or hire an attorney. Insurance companies count on you to give up in the face of a denial or exclusion--that is the reason so many companies only will cover the RNY, with all its post-op complications.
The testing and leg work I had to do took me almost a year and believe me, the band is well worth it.
Of course I wanted my band put in YESTERDAY while I was waiting! The trend I see is that too many of us aren't educated enough about post op issues. I post on OH and I constantly see ppl who either had the surgery already or have their date and are asking what is erosion, what is pb etc. and DON'T EVEN KNOW WHAT SIZE BAND THEY HAVE!!
I think everyone should have to take pre op classes cuz a lot of pts are going into this blind. Having to wait a little makes you value the exp more IMO.