I'm with Kaiser in California. They basically told me that I would have to be 280 lbs before they even talk to me about a diet and at 380lbs if I have ailment they might give me some medication. The office offers finance, but it's expensive finance.
Best thing to do is if you have equity in your house, do the equity loan. The price will be much better. That's what we did. I was worried that we wouldn't be able to afford it and I would have to suffer, but my husband is really supportive and felt it was worth the extra payments per month. However, when I sat down and calculated, now that I don't have to spend so much money on food and grocery it really just evens out. And in the end, I'm going to be so much happier. Good luck.
Tam