I paid 14,000 in North West Louisiana. I have Aetna who requires a BMI of 40 for 5 years along with 2 co-morbidities uncontrolled for 5 years. My BMI was 38.4 just began B?P meds that controlled B/P. Hubby and I decided to pay and bypass the co-morbidities that were sure to come. Good luck in your quest whether you or your insurance pays.