Where would someone with no insurance coverage begin...
I'm sorry. It's awful when you have decided to make a healthy change and there are roadbloacks.
A few thoughts... Have you asked your HR department if an additional rider to cover the surgery can be purchased?
Is the exclusion (under no cir****tances or only "if deemed medically necessary") read your policy and look for loop holes like that.
Can you get on a spouses or family member's policy?
There is always the self pay route: Here's a few links to finance companies
http://www.medicredit.com/
http://www.p-f-s.com/
http://www.cogentfinancialgroup.com/
http://www.thfusa.com/?d=041805CA
http://www.mymedicalfinancing.com
http://www.surgeryloans.com
http://www.citerrafinancial.com/
http://www.capitalonehealthcarefinance.com/
Also I had some insurance issues too and went to Ensenada, Mexico for my surgery so I can relate. Going out of the country is not for everyone but it was the best gift I ever gave myself. I'd be happy to share my experience (or check out my blog link below for my story)
Best of luck to you. Keep us up on your progress!
~Michelle
Sorry to hear about no coverage on the insurance. The same thing happened to me. I went ahead and had the surgery anyway. It has been worth it. I still have a long way to go, but it has been a start for me on my journey. I had mine done in Nashville, TN. The initial surgery was about $17500. Although, following surgery I received another bill from Vanderbilt for about $7000.00 more. This was routine stuff the doctor checked for during surgery like how was my gall bladder, etc. I thought it was totally unnecessary but what choice did I have while I was under the knife! Anyway, expect to pay about 25,000+ with the exams, doctor appointments, fills, etc. Hopefully, you will find a way to afford the surgery. Maybe go with a finance company or something. Good luck!