I have UHC as well. When i first called thay said as long as BMI>35 the surgery is covered, but as I started reading more on different website, it did sound way to easy so I called again and talked to a care coordinator and she really got me confused. No definite answer about guidelines. I just going to go to seminar with my husband(who is also thinking about band) and see what they say. I know my doc will be more than happy to help and maybe they will take in to account my family history.