Hi Becky-I also have UHC and a BMI less than 40. My BMI was like 37, no diabetes, no high blood pressure. I was so worried I wouldn't get approved. BUT I WAS!!!! The doc's office turned in a record of weights for past 5 years, all less than 40 BMI, some even less than 35. But it showed a gradual increase. He turned in a list of my present diagnose's, which I'm sure most overwieght people experience--cronic back pain, GERD(reflux), MILD Sleep apnea, arthritis, and urinary stress incontinance. Also I reported a strong family history of diabetes and high blood pressure. I dont what the deciding factor was or if the doc's office even turned in the family history. Whatever it was, it worked. My surgery date is scheduled for 8/13/09. Good luck to you. I'm going to reequest you as a friend because I don't want to loose touch. I want to now how things go