My doctor submitted my BMI of 43 to the insurance company and within 10 days I was approved. I didn't have to do any psych evals or nutritionist visits. I don't have any health issues (diabetes, high blood pressure, etc.). I wanted surgery to get health to prevent future health issues. I was approved right away. I never consulted my PCP. She didn't know I had done it until 6 months later when I went in for strep throat. I have had a very good experience with UHC.