<p>I have UnitedHealthcare through a railroad contract and was approved in 3 days. I met their BMI requirement of 40 without comorbidities or 35 with comorbidities (other medical issues affected by weight). My LAP-BAND® clinic did all the paperwork based on my weightloss history and sleep apnea. I work for UnitedHealthcare, so can tell you that it all depends on what stipulations are written into the contract UHC has with your employer. For some employers, weight loss surgery is not a covered expense, for others, it is. So, anything you read on the postings might not apply to your employer's contract. Dig out your insurance policy or go on myUHC.com and read through the exclusions for your policy. Go through the motions and provide them a good weight loss history as well as all other medical history. You also have the right to appeal if turned down, but giving them all of the requested information up front sure helps to avoid delays.

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dsmit13