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Really all you have to do is exactly what the doctors say because they know what all the insurance companies want to see. Your doctors office should be submitting the papers for you, you shouldn't have to do anything! Your BMI really just has to be over 40 and I believe its like 5 years of weight history they look for also because they want to make sure this has been an ongoing problem and not like you just gained a bunch of weight. If you have any co morbitities like sleep apnea that just adds to the BMI and it pretty much seals the deal. My bmi was 41 and I have mild sleep apnea. I am certain it will all go through for you with no problems!!!