Best wishes to you on getting through your wls approval process. may your wait be a short one. and a approved one. Hang in there and stay focused. And to answer your question. My surgeons office handled my insurance. when making your appointment to see your surgeon they will tell you want to bring with you. the when you go there, they will give you all the info (your packet)you will need to get done. I had no worries about my insurance. Take care~*~Hugs~*~