BCBS of NJ is very difficult. I have been trying with them for over 2 yrs with 2 denials, however, at present I am appealing. My BMI when I applied was 39.9 but they denied me anyway. I then reapplied and my BMI was 40 but b/c my BMI for 1 of the 6 month dieting monitoring program dropped below 40 they denied me; eventhough I have thyroid disease, shortness of breath and amenorrhea, etc. i appealed and am presently waiting for a decision because now I have hypertension and have become a bit depressed, plus recent blood tests my doctor did shows I am post menopausal at 27, among a lot of other findings. They are very hard to get approved with but I am keeping my fingers crossed. Goodluck, maybe you will be much luckier than I was.