I have a question regarding final insurance approval. I have an exclusion in my insurance policy for WLS, but my employer has a program where they can override it with certain health conditions or BMI (my BMI of 54 more than qualifies me). I called them in January, found out I qualified, they called Anthem for me and told them I qualified.

I also had to contact Anthem's Bariatric program prior to my first surgeon visit and ask some qualifying questions, of which they answered all in the positive.

Anthem doesn't require me to do any sort of supervised diet and the only clearances required are from my surgeon (nutritionalist and psych). I only have a group NUT appointment left then it goes to insurance.

So, my question is, why would the possibility exist for insurance to deny me at this point? I see so many people worried about denial at the end and some are denied. Why?

I feel the same way. I have talked to the people at the insurance company, the insurance coordinator at the surgeon has as well, I meet the BMI requirement, and I'm following all the testing required, so I don't see how I could be denied. I will be mad if I do, lol