General insurance inquiries

Hi everyone. I have Blue Cross NY, as a state employee. I have a BMI of 36, but not really any como's... I only need one to qualify. I do have a documented cardiac arrhythmia, but it's really minor. Anyone have experience with this type of insurance, and getting approval, especially for this comorbidity? I just don't want to waste any time. Thank you all in advance. Also, if anyone can explain the psych evaluation, that would be amazing.