I didn't have the physician's documented weight loss either because I avoided doctor's offices, but my insurance company said they would accept pictures of me as proof that I was obese from the time period in question. Wonder if yours would do the same? I think they mostly want to be sure that you have had weight problems for a long period of time versus someone who has been thin all their life and then suddenly put on weight and decides to have surgery so your doc's office is probably right and they can get it approved for you even if you don't fall into the exact range. Its worth a try. I am 10 weeks out and down 40 lbs since surgery. I had a lot of hoops to jump through as well, including the six month supervised diet/wellness classes. Just jump through one hoop at a time!!!