got turned down
Don't give up. I got turned down a year ago and appealed and got denied again. You need to find out why they denied you. I needed a recent physician-supervised diet and exercise program. I did that for six months - weigh-ins at the doctor's office every other week, meet with dietician once a month, joined Curves, and attended support group meetings (mental health). I was just approved yesterday after resubmitting my request two weeks ago!
Before joining your husband's insurance, you might contact them to see if they cover WLS and what their requirements are.
Donna