I was approved last week, after a near fail. Because I have a less than 40 Bmi, I And a comorbidity, they scutinize the paperwork more. I called to check and the insurance person ( not a nurse) insisted my file was incomplete and said I need 2 co morbidities ( not on the plan brochure) 2 years weight history( questionable since my co morbidity trumps that)which would have been difficult since i am not the most compliant and go to the doctor"officially" very infrequently, luckily my Pcp did state my obesity has been decades long in his letter of medical necessity,and some other things that had already been submitted. I insisted on talking to a nurse that actually approves these things. She agreed I had met all the requirements and approved on the spot. Picked my heart up and put it back in my chest.