afraid of being denied! just below required bmi..

I am at a bmi of 38.7 with no co-morbidities( that I am aware of). My insurance is the standard of 40.0 BMI to be approved with no co-morbidities. I checked with my insurance (BCBS MN) and they also will pull the last 3-5 years of info from my primary doctor to check/confirm I have been at this weight for the whole time..which I have not...I have yoyo'd maybe 20-30 lbs.

Everyone tells me to go for it..the worst thing they can do is say no. Well..I'm only 23..I don't have extra money to just throw around especially if I have to do everything over again in the future. My Dr. does have a department that will fight for you get denied but I just have NO IDEA what they could really do if I don't meet requirements. Have any of you been approved when you just are below the required bmi?? Any suggestions?

5ft10 -----270lbs

I'd be really surprised if they approved your surgery when you don't meet their requirements.

If I was 1 inch shorter I'd be at a 39.9 bmi...so annoying :(

you say  have no co-morbitities that you know of, does that mean you have had your cholesterol, glucose, triglycerides checked?  Sleep study done?

no.. I haven't been checked...

Should I just set up a physical? Or what do I asked for?

Absolutely....a physical with full labs should be your first step.  You may have high blood pressure, high cholesterol, etc. diabetes, etc.  You cannot assume you have no co-morbitities.

Good luck.