I have Cigna ***. The process was really easy. I did not lose any weight during the 6 months. I just basically maintained. i did have to do a psyhc eval, provide 2 yrs I believe of documentation from my PCP showing I have been overweight, and meet with a nutritionist. I have a document from Cigna that outlines the requirements. Once the 6 months was up my paperwork was submitted on a Tuesday and they approved it the following Monday. 6 Days!!! The surgeon required a sleep study, EKG, blood work, and and upper GI. I am scheduled for surgery this Monday! I will send you the doc on message.