VP611 1 Posted February 1, 2012 I am trying to get a feel for keystone's approval process. Has anyone had any experience with them? I had my first appt. today and my BMI is 39.8. I know my insurance requires a BMI of 35-40 with a comorbidity or 40+ without for approval. Are they going to give me a hard time because i dont have any comorbities (that i know of) and my BMI is .2 under 40?!?! Share this post Link to post Share on other sites