I know that insurance companies are strict. If you don't want to wait and can afford it, then have lapband done outside of US, usually for a lot less of the cost. There are reputable companies who arrange this kind of procedure, the key is to do some research on Medical Tourism.
Pros to using medical tourism is that you can usually have your surgery as fast as you want, less cost and some companies will help you finance it.
I am only offering another option.:crying: