BCBS of Alabama

Hello all, I am new here and found this site after doing a search for someone who can give me some answers.

I have completed my 6 month MD monitored diet and have almost all paperwork in hand to submit to BCBS of Alabama to hopefully get approved. I only lack the Medical Clearance letter from my GP (and that's a whole 'nother story for later.) I hope to have that letter in hand on Monday. My weight history is well documented, I had the psych evaluation, and completed all the nutrition classes and support group meetings as required....My questions are these: 1. How long does it usually take the insurance company to make a decision? 2. What are reasons that they may reject me? 3. Should I personally call BCBS and speak with a representative before the paperwork goes in? 4. Any other advice to help my case with them??

The surgeon has set a tentative date of Nov 22 for my surgery (yes we are really pushing it!) - they believe that my approval will fly right through because of my multiple co-morbidities. (sleep apnea - uncontrolled high blood pressure - borderline diabetic - etc)

I am just VERY nervous that all this work and what I've gone through for the last 7 months will be for naught if they reject my claim.