Don't be worried-bank on what your insurance rep told you. I'm TRICARE prime (west) & did have to do the 6 months & have 3 co-morbidities. If you have to do the diet, make sure you make appts with your PCM that are specifically coded for weight loss. I started my process 9/15/13 & just had surgery 7/16/14 b/c 3 of the appts weren't coded right & they found out my thyroid wasn't working then too. So I had 3 extra months of weight loss appts & 3 months with an endo to get my thyroid back on track before TRICARE would even let me see the surgeon. Also, I have no prior issues with mental health but that still took 4 months from start to finish. Also-I had to have my surgery off base at a civilian hospital so if you're scheduled to have all pre-op appts done at a Military Treatment Facility then it may go faster for you. Oh, if you're not going through a MTF be prepared to pay out of pocket a little. My out of pocket was $1200 even though TRICARE covered the procedure. Hang in there, if you do have to wait - time will go by fast, if not, even better!!!