Good news!

The clinic verified my insurance coverage and Lap-band is a covered benefit for me! And I was right, they are however out of network so they'll only pay 80%. I'm OK with that because the way they have a flat fee rate for the procedure, anesthesia, and such that also includes all band adjustments for the first 13 months. The only place I could go in-network (90% coverage) would charge about the same for the initial procedure and then each adjustment would carry a cost as well. I think it all even out money wise and I like the feel of the smaller clinic. You're not just a number on a chart passing through the building on any given day. They can even do all of the pre-req appts for me. They said I could schedule all 3 of them on the same day since the clinic is 90 miles away from me, now I just need to figure child care for an entire day so I can do that. :)