okay so according to the metlife chart i should be between 136-150. i currently weigh 253 pounds. im not exactly sure what the 200% means, but do i qualify for the 100 pounds over weight? im 5'8 so my bmi is only 38.5 so i have to hit the 100 pounds. tricare is very particular!

any help would be great!

Most insurance doesn't look at the number of pounds to lose....they look at your BMI. Most have the requirement of 40 with no co-morbidities but will approve a lover BMI (seems to vary between 35 and 37 with 2 co-morbidities -- HBP, Type II diabetes, sleep apnea and, perhaps, high cholesterol. Be aware they may also require that you have been at a BMI for a specific period of time.

The best thing you can do is to call your insurance and ask what their requirements are for approval. You may find that you BMI has to be 40 for 3 years which wouldn't do you any good at all. You might find out that you already qualify. Even if two people are insured by the same company, their coverage is likely to not be the same because they are insured by their employers, who have negotiated their policy and each policy is different.