A representative with Cigna informed me that if you drop below a BMI of 40, then they would not cover the surgery because you would not qualify. Is this the truth? Who knows! I'm right at 41 and with 6 months of diet and exercise could probably drop below 40. That being said, I'm conflicted with the diet thing. On one hand, I know I could take some weight off and feel guilty if I don't try. On the other hand, I've been overweight most of my life, despite sports and exercise, so my history of keeping the weight off is poor. I feel like the lapband is what I need for the long haul.