My BMI was 35.3 when I got started on this journey in January 2013 and Aetna denied me stating that I needed to be Obese for at least 2 years before they would even consider it, I have only been considered over weight for about 1 year because I had 2 knee surgeries and back issues after a bad accident...so I packed on the pounds being less active.... I have sleep apnea, high blood pressure and hyper tension. I was very upset and left that surgeon because they let me get all the way up to a week out from surgery to tell me I was denied and that they were sorry this was a new requirement of Aetna ...this was a lie the coordinator was just careless.
I switched surgeons, and hospitals and got Priority Partners Insurance and, Allof my records were transferred so I didn't have to start over from scratch but this surgeon had a few more requirements which I was good with...because my BMI was just at the threshhold I was only asked to lose about 5 lbs but lost 7lbs...they submitted to insurance but I was denied because they said I wasn't serious about losing weight...that was in July..then my doctor resended my application and we worked on weight loss for anothr few weeks and I lost about 4 more lbs for a total of 11 lbs. We then resubmitted and I was denied again..guess why? Because my BMI was too low...SMH. I was so upset because THE INSURANCE is the one who said I needed to lose the weight to begin with. My doctor did a peer to peer and submitted my food diary and I just got apporved Thursday September 5th. I will get my surgery date on Monday. I am so excited. I started to feel like it just wasn't meant to be. Keep your head up it will turn around..insurance companies just don't like to pay for surgery....period. and this to them is elective,
I said all that to say..it's a toss up, It also depends on what your insurance requirements are..I did what seemed like a million tests prior to submission but you really want ALL of your ducks in a row (tests, requirements, letters) in order before they submit because in some cases you cannot appeal..it depends on the reason for denial...so don't rush it as long as you end up with getting an approval.