I had BCBS and I just went tom my PCP for six month. She weighed me and set a new goal each month. I only lost weight one month. We both knew that it was just a formality. I then went to the dietician which was a joke. She asked what have you tried I gave her the long list of diets over the year and she said looks like you have tried every thing. 7 minutes later I was on the way home $35 less in my pocket. Went to the psch consult and it ended up costing a lot more around $80 because it falls under something other than the regualar co pay. Had to do a long drawn out interview and a written test. Turned it all in and with the dr. statement and was approved 2 days later. Process really took about a 2 years because that is when I first attended the seminar. I knew I wanted it then and what the requirements were, but I tried for a year to lose it on my own (not wanting to admit I couldn't) before I started my supervised diet.