idream

Hello everyone, I am new to this forum and I started this topic basically for support. I am at the very beginning of my lap band journey. I am soon going to schedule an appointment with a bariatric doctor to start going over "if surgery is right for me etc." I KNOW i want and need the surgery. Im 5'4 and about 240 pounds, that is not good for a young female. I called my insurance today (federal blue cross blue shield) and they said that they will cover baratric surgery. YEY She gave me a huge list of requirements which includes having a bmi of at least 40, be over the age of 18, proof of a at least 1 year of failed attempts at dieting, 3 months of medically supervised diet through a nutritionist and physiatrist or something like that. There is more but it's pretty basic stuff. Since I have a bmi over 40 i dont have to have any weight related problems (i asked to be sure). But i am just terrified that they will deny my claim and I will be at a brick wall. My question is what happens if i do get denied? will they tell me exactly why the denied it (so I have a chance to fix it?) can someone please share their story of how they were able to get insurance to cover their surgery after it was denied. I am just so nervous, i have a feeling they wont let me get it PS. PLEASE TELL ME HOW LONG IT TOOK TO FIND OUT IF YOUR INSURANCE WILL PAY FOR IT. Thank you so much everyone