My mom has hers through united, but she had to have a ton of stuff...all the things u said u didnt. Im on bcbs and the criteria are fairly simple for my insurance to cover it as well. Proof of wt for at least 2 yrs, no throid disorder, letter of necessity from pcp, psych eval. Surgeon requires scope to check beforehand for ulcers and psych eva. My oop is 1300. Im curious to see what experiences others have had as well...good luck!