I had BCBS (was banded in 2006), had no co-morbidities other than a little arthritis and pain in my knees. BCBS made me show the 5 years proof of being morbidly obese for at least that long, provide pictures of myself, go on a 6 mos medically supervised diet (the Weight Watchers, Jenny Craig didn't count) and still complete the nutritionist consult, psychologist cosult and the other pre-op testing. I hung in there and got approved on the first submission after getting all this info. Oh, and a letter from your primary care Dr. with their info about you, height, weight, health and all your medical records for the last 5 years as well. Make sure if you do the medically supervised plan that the Dr. documents your weight in your chart and your discussions about weight loss, eating habits, etc.