whats considered medically necessary??

Hello everyone Im new here and im looking to get gastric bypass. Ive gone to some information sessions at Beth Israel deaconess medical center. Ive also completed some mandatory appointments such as: blood test, abdominal/ gallbladder ultrasound, sleep study, nutritionist and psychological visit. Next week I have my last set of appointments which consists of an EKG, meeting the nurse and last but not least the medical director. Im beginning to get nervous about whether or not ill be approved. I don't have any Comorbidities like high blood pressure or diabetes, if anything I have an arthritic ankle. Im still waiting on my sleep study results to know if I have sleep apnea or not. I guess what im getting at is this: is having a high BMI considered medically necessary? I have a BMI of 51.3 and have network health forward for insurance. Ive called them and from what I gather my surgery has to be medically necessary to be approved. Any thoughts or answers to my questions and concerns would be most appreciated. Thank you

A BMI over 50 is considered super morbidly obese, so I cannot imagine you would need any comorbidities to qualify. Why not pull up your insurance policy online or find your policy handbook and look at the ctiteria? Then you will know exactly what your policy does and does not cover.
Good luck and keep us posted.

I have 0 comorbities. I was approved with no problem.  My bmi is over 50 as well

Where are you? I would think a BMI over 50 is considered "medically necessary". When I attended my first seminar my surgeon's office contacted my insurance company the next day to see if surgery would be covered. As many hoops as you have already gone through. I would think your surgeon believes it will be covered. Good luck!!

Im in Boston. Ive called my insurance company and read my policy for the requirements and both stated to be approve it has to be medically necessary. I don't have to do 6-12 months supervised diet or anything. So that's why I was concerned what they considered necessary.

most insurance require over 35  and your well over that , painful ankle is a comorbity so make shore it is documented by your pcp