You just need to make sure that  you meet all the requirements to be eligible and approved if you do that its not a problem.  Your surgeons office should have all the medical policy guidelines from Humana.   Humana has a special united dedicated to Bariatric Surgery approvals. 

Yes they cover weight loss surgery

I have UHC as well.  I think it depends on your plan, but with ours I have t ocome up with the 5 years weight history to prove a BMI of >35 plus comorbitities.  Mine would hypertension.  

I also have to get a letter from my PCP to my surgeon explaining why he thinks this surgery would be beneficial for me.  

Then, I have to have my consultation with the surgeon.  Once he recommends a surgey he will submit my 5-year history, letter from PCP and his letter of recommendation to UHC.  From what I've heard the approval/denial process through UHC is fairly quick as long as all your paperwork is together.  

She did have a 4 year history of BMI over 40.  Our insurnace requirements were to have a BMI of >40 with no co-morbidities or >35 with at least 2 co-morbidities.  She was denied due to lack of 2 year history of obesity as defined above.  the reason being, originally 4 year history of proof of obesity was submitted, but within those 4 years, she had an office visit where her bmi dropped below 40 during one of the years.  But she also had a recorded weight of a bmi of over 40 in that same year.  So when filing the appeal, we did not include that one office visit because she did have other office visits in the same year where she was clearly way above 40.

Have you been denied?  Or are you still in the approval process?  Who do you have insurance with?

Yes, actually that was the reason my daughter was denied at first, but we appealed and won the appeal.  Normally, if your BMI drops below the 'required' BMI during that 5 year history, you will get denied.  In our case, we only needed a 2 year history, not 5.  We have Aetna insurnace.

Nan