Can my insurance deny surgery even if it's a covered expense?

Last week, the receptionist at my surgeon's office faxed over my clinical information for review to my health insurance plan. I was told that it goes to review for 7-10 days & I will get a letter either telling me if it has been approved or denied. I got out my insurance handbook & surgery for morbidly obese is a covered expense. Would there be a reason that I could still get denied? I do meet the criteria which states that I have to be 100 pounds or more over weight. My BMI is 40.

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