I would have to say I haven't had much of any experience with the insurance co. I called to see what was required back in May 07 and they said they covered lapband but had to be done at a center of excellence, they required a psych consult and nutrition consult. I didn't think to ask them about the BMI since mine is well within and I have diabetes, high blood pressure, sleep apnea and asthma. (they probably HATE insuring me). Heck they would have don GB on me in a heartbeat. The program at SRMC did the insurance paperwork for me. I have not heard a peep. I still have my surgery date, and they just called yesterday to confirm the date and tell me they were sending the preop diet and prep instructions in the mail. I guess I am approved??? I have dual coverage (thru my hubby) it is BC also. All BC's are not created the same...for instance mine (primary) won't cover out of network AT ALL. Wheras, hubby's will at the "usual and customary" fee. So it all depends on your plan. Call em, find out, get a plan summary book. I may be jinxing myself but I haven't heard peep one from them.:zip: