Welcome to the board, thank you for joining us.
Do a lot of search and research, knowledge is power.
((((((HUGS)))))) May your journey go well.
Here's the thread for the criteria for weight loss surgery as set by NIH.
http://www.renewedreflections.com/fo...s-surgery.html
This is the starting point, and the basic requirement that insurance companies refer to. The individual insurance companies and policies will have added requirements to this. The best thing to do is to check out the requirement of YOUR policy.
To be honest, 37.5 is iffy--if you have a couple of comorbidities, like sleep apnea (which by the way, a lot of overweight people don't know they have, but turns out they do with a sleep test), diabetes, high cholesterols and triglycerides, high blood pressure, and osteoarthritis--you do qualify according to the NIH criteria, but as I said, insurance companies often add to that.
Another thing, make sure that you have records of your past weight, preferably documented in your medical charts, for at least the past 2 years, sometimes, the past 5 years, that shows that you are obese, as that is required by most insurances. If you don't have medical records, sometimes, dated photographs showing how large you are, can help.