Besides diabetes, high blood pressure and of course a high BMI , what are some of the other qualifications the ins co uses to make their decision.?

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My BMI didn't meet my insurance requirements, so for me sleep apnea was my co.

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Each insurance policy and company can vary a lot. What co-morbidities qualify you for surgery should be listed in your member handbook or plan document. If you can't find yours, call your insurance company and ask for a copy. This is the sort of document you definitely want to see in writing.

Other co-morbidities that I have seen include high cholesterol and arthritis -- but you definitely need to get the specific list for your policy. Good luck!