I have BC/BS Illinois and I live in Alabama (my work's group policy) and I got denied--and denied on appeal. My BMI was high enough, I was over 100lbs...and I have no co-morbidities. I was told by the phone rep that if only I were a bit sicker--or heavier. (Yes, I'm serious.) They said I needed more of a 6 month diet and exercise history however, I've been seing doctors about weight loss and been on every diet known to man (all documented) since 2002. As if my weight gain popped up in the recent 6 months and somehow the next 6 months of doing the exact same thing I've done for 6 years prior--would be the magic weight loss bullet! So, I got a Capital One loan and wrote it off my taxes. I had my surgery in July of 2007--and after losing 30lbs....my surgeon's office accidentally billed my insurance for a "fill"--and guess what? They paid for the office portion--but not the fill. Go figure.