I just started investigating all of this .Glad to know I'm not the only one in the "unknown zone? " I actually have a musculoskeletal injury since 12/2006 that put me where I never thought I'd be "BANKRUPTCY" so 3 more years of that.My insurance excludes the Lapband as well.I'm going to see a Bariatric doctor this month.I think I qualify .I was diagnosed with sleep apnea 2 years ago,3 weeks ago I was told I'm hypertensive and diabetic,arthritis in both knees(no cartilage in one)High triglycerides and cholesterol and my BMI is 36.I also have GERD.I think I'll qualify,too.But what good does that do if insurance can't be convinced of the co-morbidity status ? Anyone have more info about what to do and how to get started?