If your policy says it won't pay, it won't pay. Most hospitals know this, and will set up payment plans for you. Or, if you are willing, you can change your insurance policy to one that will cover... but you might pay more $$$ in the long run. Plus, most insurance policies will only pay for weight loss surgery as a last option. For example, my insurance policy will pay for weight loss surgery, but I first need to prove I've seen a nutritionist, received counseling, and have seen a doctor for weight related problems for one year before they will CONSIDER paying for it. But like I said, with all of the co-pays, medicine, and uncovered appointments... you might be paying more in the long run.