Healthcare Preferred Insurance thru Wells Fargo in DSM, IA

Has anyone gone thru this company for the lap band surgery? Any information will help me. I'm new to this, and am going to a class on Friday 3/16/07. My consult is next Thurs 3/22/07. I want to get this process started so I can get approved for the lap band surgery. My BMI is 45.8, and they tell me it has to be 40 or above. What kind of trouble does the insurance companies give you to get this approved? Any tips or advice is greatly appreciated. Thanks Pier