First Steps

So I have made the decision to have lap band. I called my insurance and it is covered, not sure the percentage as of yet. I have attended the seminar and have my first appt with Dr. So crossing my fingers that my insurance will approve it. My biggest fear is that it wont happen for me. I cannot afford to pay out of pocket for the surgery. I also cannot afford not to make a major change in my life. My insurance requires a BMI of 40 or above, which I have, five years of obesity (also have). They do not require six months as far as I know, but do require a psyh-eval. Has anyone had issues where they meet all of the criteria yet the insurance denied it?