MEGA LIFE AND HEALTH FOR SELF-EMPLOYED...WILL THEY COVER???

I AM SELF EMPLOYED AND LOOKING INTO HEATH INSURANCE(WHAT A NIGHTMARE WHEN YOU ARE OVER-WEIGHT!!!) THE AGENT FOR MEGA-LIFE AND HEALTH SAID THEY DO NOT COVER COSMETIC SURGERY OR ELECTIVE SURGERY. I EXPLAINED WHAT TYPE OF SURGERY I WAS LOOKING INTO AND HE SAID ONLY IF IT IS LIFE THREATENING.. I'M 5'5" 280# 45Y/O NO MAJOR PROBLEMS (YET)...CAN ANY ONE HELP, OR TELL ME WHERE TO LOOK FOR INSURANCE???????? I'M IN NORTHERN CA. THANKS

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