If it makes you feel any better I am almost in the same exact boat as you. I have UHC through Compass Bank. I too was told by UHC several times that the band would be covered and was elated. I went to see the surgeon on January 31, waited until February 21 for the doctor's office to submitt to UHC and was told repeatedly that they had the info at UHC and I would be getting a reply within weeks. Well, UHC claimed everyting was in order until March 31 when they decided that they did not have enough supporting documentation. They on April 1, my doc's office resubmitted the paperwork to UHC, only to be declined on April 14. I was declined because Compass Bank has an exclusion in the healthcare policy stating that you have to have a BMI of 40 and a co morbidity, but not just any co morbidity. They have a list. And I don't qualify. I'm livid.:angry