Pre op worried about insurance coverage, and everything else...

So, I have been lurking around on these boards for a bit, but was forced out of hiding yesterday when for some reason out the blue I decided to call my insurance company to discuss coverage. I have excellusbcbs and they directed me to their online policy which can be found here https://www.excellusbcbs.com/wps/wcm/connect/7626cc31-589a-449c-8757-09ef8ac1a985/mp+surg_obes+tac+12.pdf?MOD=AJPERES&CACHEID=7626cc31-589a-449c-8757-09ef8ac1a985 (if you care that much). When I asked about the obvious contradictions ( I meet the initial criteria and may or may not have a co-morbidity) I was told to contact my surgeon. I would like to have the vertical sleeve procedure. After lots of research it just seems to be the best fit to me, but I think it saying I can only have that surgery if I am super obese (bmi in excess of 50) No offense to anyone I have been super obese I started at 331, but I am now down to 295 and I would prefer to have that downward trend continue. I am wondering if I have excluded myself from that procedure through this diligence at diet and exercise modification, cause that would really suck. I know that my surgeon to be prefers (or at least I have read he does) to do the gastric bypass and I am still a candidate for that surgery, but I dont want to have that one. Anyone else with experience in this area? Feedback is greatly appreciated.