Does insurance cover the surgery if your bmi falls below 40 if you're already in the program but were required to lose weight while in the program? My bmi is 41.2 and they want me to lose 5% of my weight which will put my bmi at 39.1.. Does insurance look at your starting bmi or the bmi at the time of surgery..?

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Depends on the insurance company. Only way to know for sure is to call them.

I actually looked up my insurance company's guidelines for bariatric surgery/ obesity surgery online and read them so I didn't have to rely on the or my physician. You can also call but if you do ask them if they have their guidelines posted online and ask how to find them.

Here are the guidelines for Aetna, as an FYI only

http://www.aetna.com/cpb/medical/data/100_199/0157.html