Am I underweight?

The doc my ins. people want to use says I have to be 225 pounds.I weight 210 pounds and am 5'2" tall. I should weigh between 105-115 pounds. The doctor that my insurance agency sends people to says that I should realisticly weigh 125 pounds. I am small boned and this weight is killing me. I am 100 pounds overweight, but they said that I have to weigh 225 pounds before they would even consider me. I feel very let down because of this. I also have co-moribidies. I have very high cholesterol and lipids, but my BMI is only 38. Has anyone else had any problems like this? I would really like to have the RNY procedure done. If anyone has any answers, please share them with me. Thanks.

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