One's decision to have this type of elective surgery should not be rushed, it should be an informed decision. I exhausted my researching ability to do this gastric laparoscopic banding for a whole year before I made the final decision to have this done. I know that the Ins Companies will exacerbate the process but one must never give up. Research the doctor of choice, make sure he is a board certified surgeon...check out if he is keeping up with the latest innovative surgery, e.g. the SILS (single incision). I believe your insurance company will reimburse you as long as your ins pays for this kind of surgery and you being the factor which qualifies for such surgery. Go to your Ins Co website and take notice of what their prerequisites are for bariactric surgery candidacy and take it from there. I am currently doing my six mo supervised diet, every month I go for weight-in - two months down and four more to go. I hope it all works out.