CARLA~~ Also, you were wondering about being self pay and complications - I was self pay and had to have a 2nd emergency surgery 5 days after my WLS due to a kink in my bowel... I was in ICU for 5 days and a regular room for 5 days after that.... I remember laying in my hospital bed worrying that I had put us in financial ruin... but, in my case, my insurance did pay for the 2nd surgery and the hospital stay for the complications.... I had BC Premera.... but, maybe that can ease your mind a little