My insurance is requiring 3 years of doctors records indicating that I have been over BMI of 40 for at least 3 years. I do not have records from 2009 so the insurance specialist at docs office told me to submit pictures from 09 and a personal letter as to why I don't have records for that year. ( my Mom was dying of cancer that whole year and passed away early 2010) has anyone ever done this and gotten approved? I'm starting to get worried that they won't approve it. Do they actually sit down and read these letters? Any thoughts or suggestions? Thanks - Kelly

I have aetna. I too was missing one year of doctors records. The insurance lady at my surgens office simply had me write a letter to the INS co. stating that I did not have that years records. I was still approved but I had a BMI of over 40 and hypertension. I am sure that played a factor in thier decision.

Thank you Dawn for your reply. I am right at 40 BMI but without any comorbidities. Just severe hip/knee pain, hernia and chronic back pain. Hopefully my letter about my mother dying that particular year will persuade them.