Hello, I have Aetna PPO, started in Oct, had to have a psych, 3 phone appts. nutritionist, finally on 2/3 Dr. sent in for approval & I was denied!:w00t: However, I had the surgeon call the Aetna pre-determination Dr. and plead my case, they thought my BMI wasn't at 40 for 2007 & 2008, it was! So I was approved 3/3, and my surgery date is 3/20.:thumbup: I have been in tears everytime I had to resend or call the ins. or call the Dr. I didn't feel I was getting any where. :mad:It has to be one of the most frustrating things I have ever gone thru! So you hang tuff! It will happen. The ins. wants you to jump thru all the hoops. Aetna at first said they can take 45 days once they have all the info to approve, but my Dr. said they never take that long. Every Dr. & Ins seems to be different. I have a friend who's daughter from start to surgery date was 2 mos. She's young and no medical problems (yet). Also a ppo, so it just depends. Keep calling the Drs. & Ins. make sure they know you are on top of all this. I always say the sqweeky wheel get the oil! Once I got the call for approval, I cried on the phone, couldn't even talk! the relief was so immense! I have a long road ahead of me, 110lbs to lose, but look forward to a healthier life and more fun, able to do more. Stay strong, it will happen. I will look forward to how things work out for you. :thumbup: