I was/still am in a similar situation as you. I have researched the band, know that it is the right thing for me. I have struggled with my weight for years and years. I have even decided that I will be a self pay if it has to come down to it. However, having insurance cover it would be ideal. My BMI was barely 40, actually closer to 38.5. It seemed ridiculous to me to have 5-10 lbs. decide on my insurance approval. So I drank a ton of water before my first surgeon appointment, wore the heaviest pair of jeans and sweater I could find, left my keys and cell phone in my pocket (even took my hubby's phone), and was measured at a BMI 40 that is the weight that will be submitting.To my insurance. People may think this is unethical, but I am doing this to better my life.
Good luck to you! I will be keeping my fingers crossed fir you and me.