So here's my issue....

I have Aetna now and have the option to switch to Med Mutual Jan 1st and have to decide in Oct. I am wanting to get WLS but not sure what to do. I have my first seminar tonight with the bariatrics program I want to use but probably won't get to see doc til sometime in Oct. I have a couple issues. I have only had a >40bmi since recently. I have been around about 38-39 bmi for the last 2.5 years since I had my last baby and fluctuated between 35-37 before that. I do not have any documented comorbidites as of right now but I am 99% sure I have sleep apnea because I snore, always tired and my mom and daughter both have it....I just have never been tested because I also am hypothyroid and my pcp blames everything on that. I also have lower back pain and knee pain both which because I hate going to the doc are not documented with him. I actually besides my gyno before this last year had not been to the doc in probably 5 yrs because I hate going. I also have been participating in a weightloss program that my doctor gave approval for at a gym run by a local hospital whi*****ludes weekly meetings with a Licensed Nutritionist and biweekly hour long sessions with a personal trainer for the last 2 months but no visits with a doc. I have actually gained weight in the program, my trainer and nutritionist blame this on eating more and gaining muscle even if it is healthy since I was someone who barely ate accept junk and lack of sleep since I'm so busy with 3 kids, working fulltime and going to grad school,  which is why I am now at 40.5 bmi I was 39 bmi at start of program. I am under the impression that this program will not count for Aetna's 3 month multidisciplinary program because I have not gone to the doctor during it but wuld count toward a 6 month weight loss program? Is that right? I'm not sure it would count towards any of Med Mutuals 6 month program. 

Which insurance is easier to get accepted by? I have a friend that has Med Mutual that had surgery and she said all she needed was 1 weight in the previous year that she was >40bmi and another friend who has Aetna that said she needed 5 years of >40 bmi. For this reason should I switch to Med Mutual since I will have a weight from 2010 and then when my 6 months is up with them it will be 2011 and will still be >40 bmi? Or should I just try and get the surgeon or my pcp to do a sleep study on me asap so I can see if I have a comorbidity and then the weights don't matter since I have been >35 bmi for last 5+ years?
Also in regards to the supervised weightloss program in Med Mutuals policy I have read WW for 6 months plus 3 doctors visits counts as a supervised weightloss program, I wonder if the program I am in would count if I went to doc 3 times in the next 4 months (since I have already completed 2 months) or would they want my start weight of the program which puts me below 40 bmi?

The moral of this story is what is my best way of getting approved????? I really need this... I ahve tried everything and nothing works for me... I just keep gaining more and more each year.