I had cigna then switched to Anthem BCBS/Ca, Jan 1st 2008. They have driven me crazy! I did my 6 months (more actually) prior to getting BCBS. I called them before I went to my first apt., they told me the surgery was covered, and in fact, they would never question a doctor's request for surgery - whatever! I have since phoned three times to ask the policy specific to bariatric surgery, I got the same response, just "doctor's orders." Stupid me, I'm thinking maybe this co. is different from my last insurance. I went ahead with all the pre-op apts., cardiac check, upper GI, sleep study, nut. apts, psych eval, the works. Guess what? I was turned down flat. I was (am) in the same boat as you, pre-diabetic, just below 40BMI, high bp, depression, family history, high chol/tri, the works. They refused me because I am not on death's door yet. I was told if I was taking 2 bp pills instead of just one, I could be approved! It seems there is nothing consistant in the info given to their clients. It depends where you are and who answers the phone at that time. If I was 40bmi or above, the same. But I'd lost weight with the 8 months I've dieted. I'm still 38bmi. I have read their actually policy through a thread from this site (bcbs wouldn't ever specifically tell me their policy). I guess I just have to wait until I'm fully diebetic, or whatever else might satisfy them. It just makes no sense at all. They paid for all the pre-op visits, surely this is preventative treatment. Anyway, I have filed an appeal - which they will not verify they have received! I've called emailed 5 times to ask for verification. I will probably file another appeal just in case they say they didn't receive my first one within 30 days! I guess I'm ranting because I'm just so down about the whole effort. Wish everyone else better luck. There are positive stories out there.