I have UHC. I called customer service (1) to find out if they covered it (2) prerequisites to qualify. BMI over 40 and history of obesity. They denied me at first. So, I called again to ask them why they denied me since I met there requirement. They told I was denied because doctors office asked for approval for outpatient procedure and they only cover overnight. so the office resubmitted the paper work and I was approved. Banded 7/13/10