About a month ago I was denied the surgery thru United HC due to my BMI dropping below 40 (39.9) in one month out of a 5 year history !! :thumbup: I have diabetes, hypertension, thyroid problems, sleep apnea and many other health problems. Each policy is different (even within the same company - United, BCBS, Cigna, etc) so you really need to read the benefits carefully. My insurance strictly goes by BMI, not other risk factors. The good news is: I filed an appeal with a letter from my regular physician explaining I was at more risk by not having the surgery. Also, there was an error in the BMI reading in a previous year. I am finally going to have my surgery!!! YEAH!!!:thumbup: