Sending you hugs, too.....I hope this all works out for you. It sounds like care credit will be the best option for you as well. Have you asked your doctor's office if they offer any type of payment plan or if they can refer you to a loan company?
I also have BCBS, but mine is BCBS of Mass and I didn't even have to go through the 6 month waiting period. I had my consultation in November to see if the doctor would even recommend me, then I did all my blood work and tests in December and January. I was approved the end of February and had my surgery on 3/10/08. It just seems that so many insurance companies are behind the times! I didn't think there were any companies out there that didn't cover LapBand!