I have UHC and had no problem with approval. I had my diet history for the past 10-15 years of ups and downs in weight loss. My BMI was over 40 and I had no co-condiitons. I was approved first time out. I needed to do nothing else for the insurance company . However, I had to do lots for the doctor (ie sleep study, psychologist etc.) I first saw my doctor on September 14 2008 and had the surgery on November 6th 2008.