You need to have at least 2 co-morbities if your BMI is under 40. You probably have more than two. You should be approved. It may take time. Keep the faith and make sure all your necessary paper work is submitted and no loop holes needing to be filled in. It takes time for you to fill out all the paper work. I went back into my IRS papers to remember what went on and when. It helped me remember when I saw so and so and what for. Not easy to do, but gives you the added chance before you send papers off to your doctor. A good Doctor and staff will do the work, and you just need to follow up with UHC to make sure the application is on board, and know when it has been approved and a letter has been sent back to your doctor showing insurance approval. If not approved, what more do thay need? Then it is just a hop, skip and a jump through some tests, a consultation, and you have a date!