info on Dr Husted's program?

I was wondering if anyone from Dr Husted's office of one of his patients might post here and could give me some info.  
Does he have a "program fee"?  If so how much is it? 
How much is the average out of pocket cost with him?
My insurance will cover the ds.  It covers 90% of the dr's fee.  100% of the hospital.
As I am sure it is with most people I have no money laying around for this surgery.  I am hoping to find the surgeon that will cost me the least out of pocket.   

Below is their requirements and what types of surgery they will cover.

Description/Scope

Clinically severe obesity is a result of persistent and uncontrollable weight gain that constitutes a present or potential threat to life. There are a variety of surgical procedures intended for the treatment of clinically severe obesity. This document addresses those procedures.

Policy Statement

Medically Necessary:

Gastric bypass and gastric restrictive procedures with a Roux-en-Y procedure up to 150 cm, laparoscopic adjustable gastric banding (for example the Lap-Band^® System or the REALIZE™ Adjustable Gastric Band), vertical banded gastroplasty, or biliopancreatic bypass with duodenal switch as a single surgery, is considered medically necessary for the treatment of clinically severe obesity for selected adults (18 years and older) who meet ALL the following criteria:

1. BMI of 40 or greater, or BMI of 35 or greater with co-morbid conditions including, but not limited to, life threatening cardio-pulmonary problems (severe sleep apnea, Pickwickian syndrome and obesity related cardiomyopathy),  diabetes mellitus, cardiovascular disease or hypertension; AND
2. The patient must have actively participated in non-surgical methods of weight reduction; these efforts must be fully appraised by the physician requesting authorization for surgery; AND
3. The physician requesting authorization for the surgery must confirm the following:
   • The patient's psychiatric profile is such that the patient is able to understand, tolerate and comply with all phases of care and is committed to long-term follow-up requirements; and
   • The patient's post-operative expectations have been addressed; and
   • The patient has undergone a preoperative medical consultation and is felt to be an acceptable surgical candidate; and
   • The patient has undergone a preoperative mental health assessment and is felt to be an acceptable candidate; and
   • The patient has received a thorough explanation of the risks, benefits, and uncertainties of the procedure; and
   • The patient's treatment plan includes pre- and post-operative dietary evaluations and nutritional counseling; and
   • The patient's treatment plan includes counseling regarding exercise, psychological issues and the availability of supportive resources when needed.

Still no program fee! On eof the rare places that does not charge one. Thank you Jill for the comments. Sound like you have a great insurance plan in the grand scheme of things. Call Ellen first thing on Monday morning as she is the insurance person for Dr. HUsted's office. Thier number is: 606.425.4697 (Ellen Bell)

Thanks so much!

Cathi Roskind, RN, CBN
Bariatric Program DIrector
Commonwealth Bariatric Center
Dr. John D. Husted, Dr. Tommy Shelton, Dr. Rachel Shelton