united health care
I think it really depends on how your company's policy is written. I got approved in a few days when I had mine 3 years ago. Things changed between then and last year. Hubby was denied/appealed/denied twice (their max) and he ended up paying for it himself. I think those with a higher BMI/comorbidities stand a better chance at getting an approval. They said hubby's BMI wasn't high enough even w/comorbidities - his was just under 40. Mine was about 43 if I remember correctly.