I printed out the BCBS manual and read it word for word - several times over. I went to my surgeon and they told me where to go for my pysch eval, I didn't have to have the nutritional eval - my insurance is BCBS of IL and they don't require it. However, they did require that I have tried a commerically based weight loss program like Jenny Craig (which I did before knowing the insurance needed this) for 6 months and five years medical history from my doctor (with weight) showing that I was obese. I also didn't have to have a referral - I can go to anyone I choose - within the network, my surgeons office just referred me to the guy they use for the psych eval. I just had all my paperwork submitted yesterday!!! Woohooo - thanks for that the "approval vibes" I am so excited about getting the band and getting on my way to a healthier me!!!