My BMI is just barely 40. It's like 40.3 or something like that. However, my BMI has been between 35 and 40 for at least 10 years, regardless of what I have tried and I've tried just about everything that seemed reasonable. I weighed at my PCP 2 weeks ago at 40.3. She referred me to bariatric surgeon and also gave me phentermine. I met with him by video conference today. I called my insurance today. They said BMI of 40 qualifies even with no comorbidities. I don't have any comorbidities. The phentermine works - I have a greatly reduced appetite. I've used it before and it works until I stop taking it. I know I have been eating less, so I'm worried my weight will drop and my BMI will be below 40 before the surgeon weighs me, but certainly it will be below 40 if I really diet for 6 months. I just know it will all come back unless I do something different.

At what point does my BMI "count" for insurance?

It starts with your initial visit to the surgeon. Can lose as much weight as you want after that! Can weigh in with your shoes on too, if you are worried about being close!

your BMI is what most insurance looks at. That and co morbids. I was like you, i had non.... but i was right at a 40bmi so until i ate and got to a 42bmi. My dr. said for me to NOT lose any until i got approved. Once approved you can lose what ever you want too.