Yep,it varies on policy. I have a plan through BCBS of Minnesota. the regulations are:
1. BMI of 40+, or a BMI of 35+ with at least one comorbidity
2. Documentation of obesity for at least 2 years
3. 6 months minimum on a Dr. supervised diet
4. visit with psych and nut. before surgery.
In addition, our plan requires you to have the surgery at a "Center for Distinction". In KC we have KU Med and Shawnee Mission Med. There's also Columbia and three hospitals in the StL area.
My PCP is appealing condition #3 for me based upon scientific studies related to my personal situation. We'll see how that goes :)