UHC "Failed Weight Loss Attempt"

Hello,


My insurance policy states that my 6 month diet should show a "failed" attempt to reduce the bmi.

Right now at am purposely holding at 40% bmi.  I would like to at least lose 10-15 pounds before surgery (hopefully May 2011).

Has anyone been denied because they went below 40%

My co-morbidities are Gerd, Joint pain, family history of diabetes, heart disease and hbp. (mom and sister).  I don't have any major co-morbidities and the UHC coordinator gave me a sketchy answer. She said I "should" be ok...  Sorry that answer is too vague.

I am also trying to hold at a 40 BMI because I don't want to go lower (fear they will deny surgery below 40) BUT the mandatory 6 months weight loss program is confusing.  If I lose weight, they will deny me...if I don't lose weight...they might deny based on the fact that I didn't lose weight on the program.