How many ways to get BMI??

My Ins. co. states that I need a BMI of 40 and comorbids. They claim my BMI is 32.5. I weigh 220# and am 5'2". Is there another chart used by ins. cos.? The chart on this site gives me 40.2 I am s-o-o-o down that it hurts. They claim my Dr. sent them the #'s. I can't understand this whole mixup. How can I fight the big guys? It is a PPO and we are self insured. I am hoping my regional manager can intercede. HELP! What charts are there?

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