Kat gave you some good information. Definitely call your insurance provider and ask them for specific qualifications around BMI, comorbidities, etc.

IME, it was very easy to go through insurance, and definitely worth it. Even if it had been more of a struggle, my total surgery bill including psych visits was something like $80. So yeah, if you don't have exclusions, it's stupid to not try.

I had a morbidly obese BMI, but did not have any comorbidities. Ok, so I have a torn ligament in my knee and could have claimed knee pain, but I didn't (I'm one of those honest types). Cholesterol was good, BP was good, no unfounded aches or pains, no mobility issues, etc. I *assumed* I would have to do a supervised diet or some other tests, but nope. Basically, I filled out my surgeon's paperwork, provided 5 years' worth of medical history (which amounted to 6 visits: 5 annual physicals and one visit not related to weight), and that was it. I expected to have this long drawn-out battle, but 3 weeks later my surgeon's office called me and told me I was approved, and the letter came from my provider the next day.

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-175 pounds
Banded March 1, 2006