Just because your BMI is 39 doesn't mean that you don't deserve a tool that will ultimately help you achieve optimal health. My BMi is 40 and is my highest ever now due to a broken ankle last year. Actually that is what made me think surgery when in the past I'd been against it. I love the gym and worked my butt off last JAnuary and ate no processed foods , stayed below 25 g of carbs and at an average of 1200 calories a day. It took me 5 months to lose 25 lbs and I felt good then Broke my ankle and BAM up 30 lbs. I looked at the last ten years of my life and realized its a constant battle and I've spent countless hours, money, effort and I'm heavier then I have ever been. Do what you have to do to be the 40 BMI so you can get the tool you need to succeed. I realize insurance companies need a cutoff but obese is obese and at 39 BMI vs 40 we have the same issues and just want to see results when we put in the work.