I have AFLAC hospitalization, accident, cancer, and short term disability policies through my employer. The hospitalization policy paid $500 for the surgery itself and $500 per day for the hospital stay. The short term disability benefit varies based on your income, but they paid me for 1 week; at 2/3 of my gross pay (I was out of work 3 weeks but my policy has an exclusion for the fist two weeks...each STD policy has different parameters). They would have paid me for longer if I had documentation that I needed to stay out of work (I chose to go back when I did).
If you already have the policies, they will pay just fine; the worst they would make you do is get a letter from your doctor that surgery is medically necessary. As someone said above, if you are already planning surgery and have seem the surgeon, it's too late to get the policies now if you don't have them.
Join me! weightlosssurgery.proboards.com/index.cgi