I have aetna. My BMI was less than 40. I had the weight history for two years that was required. I got the sleep study and had mild sleep apnea. That is the only co-morbidity that I had. I was approved after the 12 week nutrition, etc. Read through their clinical plan description (I think that is what it is called) and read all the fine print. I read and re-read that 38 page document multiple times so I would know every little possible thing they needed or required.
Good luck with your appeal. Keep at it. It is SO worth it!
I am jumping through all of the hoops now, waiting to see the surgeon, the phychologist, and the nutritionist. I am praying that I get approved. Good luck to you on your journey. Keep us updated.