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Hi. I've been looking at this site for a couple of weeks. Its great! I have my appointment with the surgeon & shrink & dietition in 2 weeks and I am excited but worried I won't meet the insurance criteria. My BMI is 36, and I have sleep apnea and the usual joint pains associated with being obese. I'm really hoping my BC of California will cover this...I'm almost 43 and I really want a more permanent fix/change. I'm so sick and tired of this fight with my weight! Has anyone ever heard of negotiating with the insurance for a partial payment?