I have UHC (United Health Care) - and am working thru the approval process now. When I called the insurance company (in July) they told me that I had to be 40% (or more) BMI - or 35% BMI + other co-morbidite symptoms. When I visited the Dr office (in August) they contacted the insurance as well - they said in addition to the BMI requirements, I would also need a Psych eval, nutritionist consultation and 2 years of medical (weight) records... I am doing my psych eval (Mon 9/29) and my nutritionist consulation (Wed 10/1) - then it will be off to UHC for "approval" (fingers crossed!)
FYI ~ My coverage is 80% (with a max out of pocket of $1600)