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I knew just the 100lbs over weight requirment was too good to true..lol. That's why I **triple checked** with my insurance company. You can't never really trust what a rep tells you. Glad I persisted and finally got a rep who knew what they were talking about. So long story short my wife and I DO have to do the 6 month diet. Not a problem though..we will get over this hurdle and get our surgery done!!