First of all let me just say you are truly beautiful and dont you forget that! But i get you want to feel comtrobale in your own skin.
I have United Health Care and let me tell you I had to jump thru hoops. They request a BMI of 40 or 35+ with 2 co mids. I had the BMI of 40 with no co mids they also required a 5 year weight history which was tricky because I just gave birth to my twin girls almost a year ago and they told that it may not count since I was pregnant but my doc wrote a letter and that was good enough. i also had to do a 6 month supervised diet, a phyc eval, ekg, echo card and lab work and sleep apnea but after all of that I was approved.