my surgery was scheduled for September 20th and was submitted for approval on Tuesday and yesterday the Insurance denied it. I am so upset and depressed. I had to pay out of pocket for most of the doctor visits, nutritionist, and tests I needed done in order to submit to Insurance, and I really couldn't afford it. Now I paid for nothing. Can someone advise as to what I can do to appeal besides writing them a letter? they denied it due to me not having a BMI of over 40 for the past 5 years. I have had over 35 and have Diabetes, Hypertension, severe sleep apnea which are the three major factors if order to get approved. Can anyone give some advise specially the ones that had been initially denied, PLEASE.. My insurance is United Healthcare.