I also have United. They qualify you if you have a bmi of 40 or bmi 35 with co mobalities, like sleep apnea or diabetes. I had documentation that I went to Weight Watchers for a year. I got qualified right away just one letter. With mine they cover at an 80/20 with a maximum payout of 10,000.
My surgery is scheduled for March 1st. I can't wait!!!