So at this point I'm a little disheartened. I had the seminar and I knew going into all this that my insurance covers no part of the lapband. So I know that I have to be self pay. I contacted the financial counselors that go along with the program that I am doing and they gave me some options. Basically I was told that it has to be all up front payment or they do a med card which is basically a credit card that I put all this on. The surgery alone is going to be $16,000, then the anesthesiologist is another $5000 and then something else but i can't remember. I for one don't know that i want that much on a credit card b/c im sure the interest is outrageous and it would take me a liftime to pay it off. :smile: Does anyone know of any other options for financing? Thanks for your help.