The issue is that the doctors need to know everything about your current level of health before they operate on you. I had no co-morbidities at all, but I had to have several tests and a medical clearance from my PCP (with more tests) before everything was finalized. That is just part of the process when going through insurance. (And, frankly, it is just good practice even if you were paying out of pocket. After all, we are talking about paying for a major surgery, not a new appliance. And I know that last time I bought a new dishwasher, I asked the salesperson about 100 questions before I committed to it...)