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Hey - Just saw your posting and left you some info. They don't have a program fee- I paid nothing directly to them. I went to their nutritional & psych Dr.s - I just had my PCP write a referral for each. My overall experience was good and my hospital experience was excellent! It took my a while to get banded, but some of was me, some them. I had my surgical consult last September, banded in June. The biggest issue with time was once I was done with my six month plan it took me forever to get a psych eval- that set me back at least two months. Once I did and was approved in March, my surgeon was ready to go on maternity leave! I decided to switch surgeons and not wait to July for my first- anyway that took a month to see the new surgeon but once I did surgery was scheduled right away.Sorry for such a long message - let me know if you have more questions.