I am not sure I understand your post, do you have Medicare and you want to get a supplemental plan to pay the difference of what Medicare won't pay - Medicare pays the first 80% and you can get a Medicare supplemental plan to pay the extra 20%. Is that what you are asking? Each state has different supplemental plans but I am pretty sure they all have AARP and that is a very good supplemental plan. Another one is Blue Cross Blue Shield - in NY it is Empire Blue Cross blue shield - I am sure in Texas you have the equivalent. If you aren't talking about a medicare supplemental plan, then please explain better.
As far as Medicare goes - they do not preapprove. You must go to a Center for Excellence and meet certain Qualifications. I was told you must have a BMI of 40 or above and have atleast 1 comorbidity - many others have been told 40 or more with no comorbities and 35 -40 with comorbities, so you are best to call Medciare and see waht they tell you. Comorbities are Diabetes, high blood pressure, high cholesterol, sleep apnea, GERD, asthma and osteoarthritis. You must have a Psych consult and a Nutritional consult. No 6 month diet is required unless your particular surgeon requires it. You must also get Medical clearance from your PCP with a letter of medical necessity.