New and scared.....

I just found this site and I have been glued to it for 2 weeks. I finally broke down and told my husband that I have been contemplating WLS for a while now. I have never attended a seminar, but I did go ahead and set up an initial consultation with Dr. Glatt. I have Blue Cross Blue Shield insurance and all they said when I called was that my plan does cover if it is deemed medically necessary, and would need a letter from the Dr......... My questions:

1. I do not have a referring family Dr. The only Dr. I see regularly is my Ob/Gyn, I see a small town P.A. for everyday stuff. Will this matter? 2. I do not have any of the "risks" like HBP, diabetes, Apnea, etc..........I am medicated for depression and I know that it is directly related to my weight. Do you think it will be hard to prove WLS is medically necessary for me?? My BMI is over 40, so I feel like a walking time bomb........ 3. How do you know what type of surgery is for you???? I am really thinking Lab Band, why, I don't really know! It seems the least drastic. I'm scared out of my mind and not even sure if WLS is 100% for me. I have been overweight since about 12 years of age, and now am morbidly obese. This scares the crud out of me. I have tried on my own to lose weight. I tried Jenny Craig (lost 30 lbs., then had 2 babies!!) I feel like a failure at everything I've tried. O.k. I will stop for now...........I'm so nervous and can't believe I've even set up an appointment. Of course I couldn't get in until July, so I have time to really research and educate myself,(or put my tail between my legs and run away and hide)