BMI >50, does this sound right

so, I haven't gotten to the insurabnce submission step yet (within days)...but the insurance coordinator at the clinic I'm going to has told me that most requests they make for my particular insurance are denied without a comorbidity (either uncontrolled diabetes, uncontrolled high blood pressure, or sleep apnea) even with a BMI >50. Isn't the band generally considered medically necessary for a BMI >40 without a comorbidity?

While my BP has been creeping up, I'm not on meds and it's certainly not "uncontrolled," and I do not yet have type II diabetes. I went in sunday night for a sleep study but don;t get the results till Thursday. If it shows apnea, it's an almost for certain approval, but if not the clinic will have their lawyer appeal it.

She also told me the medical director of my insurance is prejudiced and has been heard making rude "fat" comments.

Waiting till Thursday for my sleep study results is killing me