Unfortunately, I am in the same boat as you. I also have United and the plans offered by my employer do not cover WLS. I've been doing a lot of research, attended a few seminars, and was really excited about possibly doing this procedure, and now I feel devastated. I simply can't afford an additional loan right now, but I'm so depressed about my weight, I even contemplated doing it out of the country, but honestly that sounds just as scary to me. I guess I will have to wait til I can afford the surgery on my own. If you come accross any other option, please let me know.