Insurance question - getting approved though below BMI criteria

I will be starting a new job in a couple of weeks (don't you love all that paperwork?).  I was sent a link to their benefits website and of course the first thing I did was look if they covered WLS.  They did, but the minimum requirement is a BMI of 40.  I come in at 38 and don't really feel like eating my way up to 40, however I do present with Diabetes (Type 2 with Insulin), high blood pressure, high cholesterol, and bad knees. 

My question is, has anyone else managed to get approved for WLS based on co-morbidites even though they did not meet the minimum BMI? 

(I don't plan on asking to do this until I've worked there for a bit, even though all benefits would be available immediately.  I'm just curious so I can start to prepare for when I do need to present my case.)

Thanks in advance for any responses.

 

Many policies will cover with a BMI between 35 and 40 as long as you have a couple of comorbidities to support the need. Don't give up. And, get a sleep study done to see if you have sleep apnea and require a CPAP. Good luck!

--gina

Thanks for the suggestion on the sleep study, Gina!  Never thought of that. 

I appreciate your response.

Esther

Unfortunately, I had to delete this post due to privacy concerns.

Thank you Shelli!  I appreciate the feedback and will look into that.  =)

In many cases, a BMI of 35-39 and ONE serious comorbidity such as T2D will do it.

That's what mine is.  It's fairly standard.

Thank you Diane and Heidi for the responses!!!