Hi there. I just joined this site tonight. When I started this process back in March of 2007, my BMI was only 36. I wanted this so bad. I was turned down by my insurance company on the first try. I was told to be persistant. So I appealed it and went to a new doctor for a second opinion. I didn't have any real comorbidities either. My doctor will do surgery with a bmi of at least 35. So I fought with the insurance company for a year. I was told when my bmi was higher that they would cover my surgery, so I gained weight. Silly, yes! My bmi was finally 39.4 and my insurance company agreed to cover it. I just got this news 3 weeks ago and my surgery is set for March 27!!!! :thumbup:. You can definatly find a doctor to do surgery for you with your bmi. And since you are self pay, it won't matter! Good luck.