Hi there,
I have UHC and am scheduled for surgery on the 19th--I'm telling you that right off 'cause that's the good news! The bad news is that it was a struggle with UHC since I did not have a BMI over 40 for 5 years.
The first thing you need to do is review your husband's insurance plan booklet (paper or online) and see just what is stated for WLS coverage. I had the standard NIH guideline coverage (BMI 40+ for 5 years or 35+ with any of the listed comorbidities (e.g. diabetes, hypertension, sleep apnea, etc.). I also had to show evidence of a medically monitored weight loss program.) I had all that and was denied on the first submission. My PCP wrote a letter (actually I wrote it and told them this was to let them see what UHC needed...they ended up using it verbatim) which was filed with my appeal. I was again rejected. At this point I got my corporate advocates group involved, since there was no reason UHC did not approve this request. It's been a fight, but they finally approved the surgery.
If you have not yet had a sleep test, you should do so--especially if you don't have any of the standard comorbidities. Keep me posted on how you're doing, and let me know if I can help. If you want a copy of a PCP letter template, I can send it to you if you provide your email address (you can PM me). Be persistent! These insurance companies reward their reviewers for high denial rates!!! There are others on this forum who sailed through with little difficulty....but I think many more have struggled, and not just with UHC. Good luck!