Dr.s apointment verdict

i had my approval appointment and the only thing she told me was that i will probably get turned down unless i have sleep apnia. i told her that it sucked i had to pay for her to tell me that. she agreed. my aunt, dad and grandma had sleep apnia and i have some of the symptoms so I'm not SUPER worried about it but i am a little. they typed me a letter to send to the insurance company saying that i have a BMI of 41 but i dont know if it will work or not. i dont want to do the sleep study but i will if the letter doesn't work.