I have BCBSIL. My BMI, like yours, was 46. I called the insurance company directly myself and while it took awhile on the phone, I was finally able to get the exact info I needed before I even went to a surgeons office. I was not required to have a 6 month supervised diet. The whole process (from info session to surgery date) took 3 months. Don't rely on another person. This is important to YOU. Make the call yourself. Be sure to write down who you spoke with and any pertinent info they give you. While it is the lady at your doctor's office's job to verify everything for you, sometimes they don't get it right. It's not the most important thing to them like it is to you! Best of luck.....