Hi,
it looks like you have gotten alot of responses, but I thought I'd add mine to the mix.
I am 42, 5'11 and was at the beginning 334lbs. When I scheduled my first appointment with my dr, they sent out a packet and it specifically pointed out calling my insurance to make sure that bariatric/weight loss stuff was covered. I called my insurance and they asked me if I had diabetes, and I said no. They said without being diabetic, it wouldn't be covered. <Insert tears and breakdown here> I was so frustrated because my first memories are of being fed diet jello, sugar free kool-aid, things like that, I have always been the chubby kid. I did richard simmons deal a meal, jenny craig, weight watchers, calorie restriction, keto.......i lost some weight, but always gained that but more back.
I called my drs office and asked them if this is true and what other questions I should be asking. I have no 'comorbidities' aside from being morbidly obese and have been obese pretty much my entire life.
I called back and talked to another agent who asked about diabetes again, then about high blood pressure and sleep apnea. I have none of them. Eventually they told me that if the doctor decided that my BMI put me int he morbidly obese category and that I had tried other diets etc and had a long history of being unable to lose weight, they would approve it.
In the end, I had to go through my entire history of what diets/plans/meds I had tried, my weight history, etc and I was approved. I had my bypass surgery on 12/18/2020.
I hope you are able to get it approved because it is frustrating. I know what would be waiting for me if I didn't get this weight off now, all of the comorbidities that they ask about, and i am hopeful that with this tool, I will be able to avoid all that crap.
Best of luck to you and happy holidays <3