I'm 5'1 and was 194 when I started the process...now currently 201 as of today. Surgery is 1/29. My insurance said that since by BMI was below 40 I had to jump through their hoops but it wasn't that difficult at all. I did everything they requested...and was approved first time around so took me roughly 5 months. My insurance required one health issue I have due to my weight since I was under the 40 BMI. I have high blood pressure, borderline high cholesterol, pre diabetic, and mild depression. I probably have sleep apnea too but have never been tested.
Don't give up! My surgeon had told me that if they had denied me he would have helped me appeal and would help me. Thankfully that wasn't necessary.
Blessings,