I had the same problem. After all my info was sent to BCBS, I was denied because my BMI was 39 with no other co-morbidities. I came on here and found SuzanneG, who offerred her letters of appeal. I accepted and rewrote them in my own words. I explained that even though I don't have diabetes or high blood pressure, I DO have osteoarthritis which affects my hips and knees. I also mentioned that all my doctors have said that without wls, I WILL develop these conditions. But I think the most important part of my appeal letter was when I described the emotional impact my weight has had on myself and my family. I cried while writing the letter. Without Suzanne's help, I never would have known what to write. I was approved. My letter from BCBS said that since my BMI, when I started my journey 6 months earler, was 40, they would approve me! I think it was just an excuse, but I really didn't care why, I was approved. I had my surgery on 12/19. When my dr's office called, two days before my scheduled surgery, to say I was denied, I was in shock!! I'd read about it happening, but never thought it would happen to me. If you would like a copy of my letter, please let me know. Better yet, get Suzanne's; they're amazing! DO NOT GIVE UP - you will be approved!!