I don't have any comorbidities. No high blood pressure, nothing. I do have a BMI of over 40. I 5'5.5" and weighed 270.5 when I started this process in July. My insurance has strict guidelines and extensive pre-op diet and health testing. I have blue shield of California. They approved mine. Basically there were 2 cases which would qualify one for surgery: a BMI of over 40 OR a BMI of under 40 with 2 qualifying comorbidities. So to say her insurance want pay without comorbidities may not be true. Especially of its already been approved. It sounds more like an assurance of payment should the insurance back out (rare).