Hey, I have PacificCare HMO and they covered me for both Lapband or Gystro. I chose the Lapband because it was less invasive,quicker recovery and mostly I like being in control.. Our insurance definitely covers the sugury so you shouldn't need to take out credit card or any other loans. Hope this helps. Since my surgury, i've lost about another 15 pounds. I think I have a total of between 35-37 pounds. i go get weighed on next Wednesday 11/08. Good Luck!