Blue Cross CA and GERD
Depends on the plan. If your BMI is 35-39 the insurance companies usually require comorbidities. My plan (Aetna) is really specific on the comorbidities they'll consider. They won't approve BMI's lower than 40 unless you have diabetes, hypertension, heart disease or severe sleep apnea. They have some other requirements, such as your BMI being over certain numbers for 5 consecutive years.
This is all pretty generic info since each plan is different. It's worth a shot to find out what your plan requires. Good luck to you.