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chubb,
I'm sure with your mitigating health circumstances that you'll be approved. When I went for my consult the guidelines were a BMI of 40 and above, OR a lower BMI with health issues, such as you have.
If I were you and my insurance company didn't approve it, I'd get a Lawyer. And, if the only thing stopping me was a BMI that's too low...I hate to say it, but I'd "eat my way" up to a BMI that was high enough.