Approval questions - BCBS MN

[Marycanary 0]

I am a newbie hoping to be sleeved. I have had my initial consultation with the surgeon and bloodwork and have started my required 6-month supervised diet. Unfortunately my insurance company told me today that once I meet my deductible, they will cover 100% but there is a $10,000 lifetime cap on bariatric surgery. My surgeon's office says to be patient and that a lot of the BCBS policies are changing all the time to include gastric sleeve coverage.

My question is should I contact my employer and talk with them about the surgery and the $10,000 cap, should I continue as is and wait and see what happens down the road after I complete my supervised diet and psych evaluation, or should I just start saving for the share of the procedure not covered by my insurance (surgery is $16,500)? My BMI is currently 37 and my comorbidities are sleep apnea, GERD, osteoarthris, joint pain, depression, and strong family history of diabetes. Is it possible my insurance compay would approve WLS 100% with documentation and letters from surgeon and PCP, or are they pretty strict on the cap benefit? Any advice is appreciated.....so glad I found this website!