Thanks for the response Elsnanny, I went to the seminar on Tuesday and submitted my paperwork so I am assuming they sent it over on Wednesday Oct 16th. Maybe I'll hear something in the early part of the week. I have Federal BCBS so they are fairly easy to deal with and they do cover the WLS. I have a BMI of 45 and I have severe sleep apnea, GERD, and arthritis so it should be pretty straight forward. I was just wondering how long it would take them to approve and send back to the surgeon's office. I will be cautiously optimistic and hope for some time this week. I wish I could have my surgery in December too as that is an easy time for me to take off of work. Stay tuned and hopefully all will go as planned. Janet