Hi I'm in VA near TN. BMI is 36, no comorbids. I have BCBS Ins,but surgeon office did pre check and I was turned down. I worry mostly about diabetes as mom, dad, and only sibling have it. My mom and dad are not overweight at all and my sister is only a few pounds overweight. So my questions for those on this sight: would it do me any good to appeal the decision of my insurance, What is the cost if I pay out of pocket?