That is interesting about the new insurance you are dealing with.  I hope they are legit!  Perhaps you could call or check the website of the KS Insurance Comissioner and they might be able to say.  I went to your profile and see you are interested in the gastric bypass or the duodenal switch.  The costs for these are way, way higher than $7500, such that I know I would have no possibility of paying the difference.  I think the self-pay listed price from Tallgrass in Topeka is $24,000 for the gastric bypass, and they don't even list the price for the DS, but I would think it's more.  Of course, maybe your insurance would have a negotiated rate that is lower, but I still think it's unreasonable of insurance to have such a low limit on how much they will pay for WLS, although, like you say, better than nothing.  Even just the pre-op tests and appointments I would not be able to pay on my own. 
I went to the first seminar interested in the Lapband, but after reading more and more at ObesityHelp, I came to want the DS.  The RNY has never held much appeal to me.  I went to my first WLS seminar in Arpil, the one for Tallgrass.  I had to wait until the Medicare took effect to start pre-op appointments, since BC/BS of KS wouldn't cover them.  But, now it can be a challenge to find providers who accept Medicare, since it can be a lousy reimburser to the professionals.  I had my psych eval first, since I really did not know if I would pass it, and I was not going to do the medically supervised diet (that the contractor who administers Medicare for KS requires here; this varies by state) unless I had passed!  Luckily, I did pass and can proceed.  It stinks to me that at Tallgrass if you have a better private insurance that covers WLS you can get a surgical consultation apt quickly (after attending the seminar and turning in forms), whereas if you have the stinkier Medicare that pays the surgeons much less, we have to jump through many hoops, including a months-long supervised diet, before we can even find out if the surgeon will take us on as a patient.  Then, even after that, there can be more of a wait for a Medicare patient to get scheduled at St. Francis in Topeka.  Bettye said she was told St. Francis Hospital here only lets four Medicare bariatric patients be scheduled there per month.  
I have also watched the seminar-on-DVD from Dr. Anthone in Omaha, Neb., for out-of-area potential patients.  It also came with a packet of articles from his office when I called them.  He mainly does the DS, and takes my insurance.  It says they want the DVD mailed back, so I need to be getting that back to them.  On the DVD, he said he will occasionally do a Roux en Y.  He has 13 pages of mostly excellent reviews here on ObesityHelp.  The reviews on OH and his policies sound like he doesn't treat anyone like a second-class citizen.  There are various pros and cons with the different choices of surgical groups.  Travel costs even just one state away would be an issue to me, but I think I could make it work if I had to.