My paperwork went to Anthem two weeks ago today (and counting!!!) I'll post when I get a decision. I have a BMI of 40 and no comorbid issues. Anthem e-mailed me the requirements and the clinic I am using verified I only needed a bmi of 40, phyc eval, nutrional assement and a letter from my primary. I just made the stated critera and had all three letters were sent in. We'll if they will approve.