Is is possible to qualify with your insurance, but not with the Surgeon?

When starting this process, I was at a BMI of 39.4 with several co-morbidities. Trying to get healthy before the surgery etc. (My consult is 4/27/00) I have lost 15 lbs. mostly due to stress, but some I attribute to more exercise. The top Surgeon of my medical group weighed me at 275 on March 13, now I am 260, which lowers my BMI. My insurance, "Pacificare," says with a BMI of 35-40 I can still qualify with 3 co-morbidities, that which I still have. The Surgeon that my group wants to refer me to, their program it seems, only accepts patients with a BMI of 40 and above. Should I try to gain weight? HELP... I know that this 15lbs loss is temporary if I do not get the surgery. I seem to fluctuate between 275-280 to 260. When they weigh you, you probably are not fully clothed. There is no way, I can have 15 lbs of clothes on anyway. What do you guys suggest?

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