Has anyone gone from NO insurance to WLS?

I just got my insurance from my job. I have not had any insurance for about 5 years. Should I wait to see the surgeon? (My policy says I can go directly to the surgeon without PCP referral.) Should I just hang in there a while before I go for it? Or should I go for it and see what happens. I am worried they will decline me, and then use it to decline forever in the future. Help.

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