i would talk directly to the insurance. the insurance specialist sounds like she does not know jack. i just love how these insurance people who have no medical training try to decide what we need and what we dont. the one time lapband will prevent a whole host of other things in the future, thus actually saving the insurance money in the long run.
my bmi is not quite high enough either, but i have hypothyroid, herniated lumbar discs and knee pain. my doc said with those factors involved there should not be a problem getting in. i have my first meeting on the 20th of Aug. good luck
if you are not too full, could be acid reflux. something like prilosec might help. i have had acid reflux for years and i have not been banded yet. what you describe sounds like my reflux. your doc would know for sure.