To make a long story short, my bmi is 37.5 and my sleep apnea score is the exact number they say it has to be to qualify. I read the sections of my summary plan description dealing with bariatric surgery, and have talked with a representative twice. There are no mentions of supervised dietsb( although I did one last year and am submitting that ) , not even weight history ( they just want a listing of what you have tried, however I submitted 3 years of weight history ) . My insurance company's requirements seem lenient compared to other folks, but I am afraid they are going to " come up with" new requirements once my paperwork is in. And I work with insurance everyday, but I still have this fear. Anybody else feel this way?

I sympathize with you! My insurance company requires a BMI of 40 and there is no mention of co-morbidities like high BP or apnea (I have both, but BP is controlled by medication). I have been worried all along because I dip below the 40. Am really a 38. There are a few more weigh-ins and it's so stressful. Plus I'd like to be dropping now, now trying to maintain the heaviest. But I will do whatever indeed to do to make this a success. I have gotten creative.

We all had this fear because insurance has a reputation for a reason lol.

Great example, my husband and I underwent lb surgery together. We did all the prequal tests/reqs together. My BMI was 40, his much larger. But we were both diagnosed w/ sleep apnea requiring cpap, we both tested negative on all other tests. Paperwork is sent in together. He is approved, I'm not. Office sends mine back in and says listen, you do realize they are married, did the same things, have the same results, yet you have arbitrarily denied her. Next I hear I'm approved and dates were set for surgery.

If they can save a penny they will. Discretion is not their forte