Guest guest Posted October 17, 2005 Report Share Posted October 17, 2005 The easiest way to pay is Health Insurance unless you have allot of money. The total cost for my surgery was $55K and my Health Insurance cover most except for braces. Good Luck on your search! > > I need to get orthognatic surgery for my upper and lower jaw due to a > great assymetry. I am aware of the pain and commitment involved with > this surgery, but I desperately want it, knowing my condition has only > worsened with time. I don't have any health insurance and my biggest > issue is trying to figure out how I am going to pay for the surgery > and braces. I'm a student so I don't have any income, nor do I have > any health insurance. Does anyone have any idea how I could pay for > it and what range of expense I would be looking at? Also does anyone > have any experience with doctors in nyc? > > Thanks > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted October 17, 2005 Report Share Posted October 17, 2005 I'm in the same boat as the original poster. My concern is, will insurance really cover the surgery. My jaw is too big for my face and my bite is slightly off, but wouldn't this be considered a cosmetic procedure? How do I get insurance to cover it? Do some companies cover it and not others? Thanks! --- Love wrote: > The easiest way to pay is Health Insurance unless > you have allot of > money. The total cost for my surgery was $55K and my > Health > Insurance cover most except for braces. Good Luck on > your search! > > > > > > > > I need to get orthognatic surgery for my upper and > lower jaw due > to a > > great assymetry. I am aware of the pain and > commitment involved > with > > this surgery, but I desperately want it, knowing > my condition has > only > > worsened with time. I don't have any health > insurance and my > biggest > > issue is trying to figure out how I am going to > pay for the > surgery > > and braces. I'm a student so I don't have any > income, nor do I > have > > any health insurance. Does anyone have any idea > how I could pay > for > > it and what range of expense I would be looking > at? Also does > anyone > > have any experience with doctors in nyc? > > > > Thanks > > > > > > > __________________________________ Start your day with Yahoo! - Make it your home page! http://www.yahoo.com/r/hs Quote Link to comment Share on other sites More sharing options...
Guest guest Posted October 17, 2005 Report Share Posted October 17, 2005 Hi , Insurance does cover orthognathic surgery in most cases where it is considered medically necessary. That can be due to a bite problem, TMJ disorder, or other jaw deformity issues. I have an overbite, but it is not a functional problem for me. I do have a deep bite and underdeveloped jaw, and that does cause some functional problems. SO insurance is covering mine even though I don't have a traditional bite problem. SOme plans cover only if you have TMJ problems, so will not cover you if you have TMJ problems, but only if there are functional bite issues. SOme will cover only if it is related to an accident. Some will cover even if for cosmetic reasons (these are very rare). The point is, every single insurance plan differs. And even within the same plan, some people are approved and some are not, even with the same problems. There is just no definitive standard. Sometimes people who do qualify with their insurance end up paying out of pocket anyway. And sometimes people squeek by even if their eligibility is questionable. The best remedy, since braces usually come before the surgery, is to get your insurance to preapprove you for surgery BEFORE you get your braces. Even if they later deny you, the fact that you have a preapproval in writing in hand gives you some clout to appeal the later denial. But usually, once it is approved, it goes through well with insurance covering the amount they determine is appropriate. And that really varies among insurers too. There isn't a standard in the US for coverage, nor definable situations where a person who needs the surgery is covered even if they have medical insurance. It is really a problem for people who do not have any insurance at all. The process involves braces and surgery, and be extremely expensive. If it is all out of pocket, it can be a daunting financial prospect. Does anyone reading this know if there are any residency programs in any of the states that provide this surgery with a highly qualified OMS supervising? I know Mt Saini in NY has a fabulous plastic surgery residency program that does beautiful cosmetic work, and the fees are amazingly low. Has anyone heard of similar programs where MD's in residency specialization are honing their skills. It would only be an option if it were supervised by a highly qualified OMS, but it might be an option for some who are having to fund this with limited funds and out of pocket. I haven't heard this discussed here, but wondered if anyone here had some information about such a program. Just a thought. Oh, as to the cost of my procedures, I can only tell you what the OMS fee and the braces are costing. I don't know the whole cost at this point. The OMS fee is around $18000, and is covered by insurance. My braces are $5800 (my insurance doesn't cover adults over 19 for braces so this is all out of pocket). Most OD take a down payment and then monthly fees for the braces for usually 18-24 months. I don't know if this helps you or not, but I hope it is helpful to you. Hugs, Fran > > > > > > I need to get orthognatic surgery for my upper and > > lower jaw due > > to a > > > great assymetry. I am aware of the pain and > > commitment involved > > with > > > this surgery, but I desperately want it, knowing > > my condition has > > only > > > worsened with time. I don't have any health > > insurance and my > > biggest > > > issue is trying to figure out how I am going to > > pay for the > > surgery > > > and braces. I'm a student so I don't have any > > income, nor do I > > have > > > any health insurance. Does anyone have any idea > > how I could pay > > for > > > it and what range of expense I would be looking > > at? Also does > > anyone > > > have any experience with doctors in nyc? > > > > > > Thanks > > > > > > > > > > > > > > > > > > __________________________________ > Start your day with Yahoo! - Make it your home page! > http://www.yahoo.com/r/hs > Quote Link to comment Share on other sites More sharing options...
Guest guest Posted October 18, 2005 Report Share Posted October 18, 2005 My OS actually decided to submit a preapproval form before I began to do anything and with no hassle the insurance approved. braces are not cover by insurance but most Orthodontist have payment plans. Mine was $4,900 with 29 monthly payments of $170. Surgery fee was $20,000 Hospital Stay was $35,000 and Anesthesiologist fee was $2,000 which was cover by my Insurance. > > > > > > > > I need to get orthognatic surgery for my upper and > > > lower jaw due > > > to a > > > > great assymetry. I am aware of the pain and > > > commitment involved > > > with > > > > this surgery, but I desperately want it, knowing > > > my condition has > > > only > > > > worsened with time. I don't have any health > > > insurance and my > > > biggest > > > > issue is trying to figure out how I am going to > > > pay for the > > > surgery > > > > and braces. I'm a student so I don't have any > > > income, nor do I > > > have > > > > any health insurance. Does anyone have any idea > > > how I could pay > > > for > > > > it and what range of expense I would be looking > > > at? Also does > > > anyone > > > > have any experience with doctors in nyc? > > > > > > > > Thanks > > > > > > > > > > > > > > > > > > > > > > > > > > > > > __________________________________ > > Start your day with Yahoo! - Make it your home page! > > http://www.yahoo.com/r/hs > > > Quote Link to comment Share on other sites More sharing options...
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