Hopefully this won’t be the case for you, but my BMI was originally under 40. It was like 38, but I was diagnosed with sleep apnea and put on a CPAP machine. The insurance still denied my surgery because my sleep apnea wasn’t “bad enough”. I guess they follow a chart of some sorts, so definitely find out what your insurance considers “ bad enough” to qualify as a comorbidity. Best of luck with everything!!