Blue Cross Experience

 I didn't have any problems with BCBS either.  Each policy is different.  I had lapband, which is considered an outpatient procedure (even if you spend the night.)  So they only paid 80% of the medical equipment that was used, so I ended up paying around $3000 on top of my regular copay.  If I had chosen bypass, they would have paid 100%, but that's just the way my policy is written.

We've been very very pleased with BCBS-  as long as the doctor says something is medically necessary, they usually approve it.

Good luck!  :)