How much would you pay for it?

How much would insurance pay for mandibular advancement surgery?

• I need to get a mandibular advancement surgery done I also dont have a health plan Though I plan to get a health care plan Im not sure which to get. Im willing to pay a higher premium for better coverage, but all this nonsense about deductibles and co pays have my confused as in to how much that the insurance company will pay and how much ill pay out of my own pocket. The estimated costs from reading around ranges from 14,000 - 35,000 dollars! assuming that this is the plan ill pay for how much of the sum will the company pay? http://www.horizon-bcbsnj.com/ProspectSite/individuals_families/plan_a_50.aspx?WT.svl=ProspectSite&WT.ac=IndividualsFamiliesLeftNav

• Answer:

  Without even looking at the policy I can tell you that the insurance will pay 0% and you will pay 100%. Unless you live in a guaranteed issue state (which you don't since you are looking at BCBSNJ) you cannot get any health insurance plan if you have impending surgery. Your only option would be get a job that has health benefits. As soon as the waiting period is over the insurance will pay a portion of your surgery. How much it pays will depend upon the health plan that the employer has purchased.