KMCD - My 2 cents worth...YES! I was denied 2x and I used www.obesitylaw.com (Kelly and Walter). They were able to get the denial reversed. It costs nothing to have them review your policy and stats, and if they don't think they can help, they will tell you. My appeal was paid for by Allergan, it cost me nothing although it does take a while. I, like you, am sick of losing this same 80 lbs. I was denied because I haven't been fat enough long enough - they had a 2 year restriction. It took a few months but I was banded 3/9/09. I was not so concerned about the initial self-pay as I was about any future complications. It's good peace of mind knowing that all future issues, if any, will be covered as well.
Good luck to you!