<prompt> Human: Hey team,So I find myself in a bit of a pickle. Ive been pursuing jaw surgery for a couple of years now. For anyone who knows these ropes, theres a big difference between medical necessity and asthetic surgery. Mine meets all the qualifiers for medically necessary. The issue Ive run into is that my insurance provider BCBS Alabama refuses to give preauthorizations on these things. They offer to review the surgery for reimbursements AFTER its done, but wont even speak on before hand. The issue is that these surgeries are not cheap. Total cost ranging from 30-70k. The hospitals wont do the surgery unless I have a preauthorization or pay the cash. And the insurance companies wont offer the preauthorization because they know its an effective way to avoid having to pay later. Theyre stone walling me and Im trying to find alternatives. I think my options are: 1. To find a way to front the money. Im only a few years out of school, making 40k. Living very frugal but the idea of having 50k on hand isnt happening. I didnt know if anyone had creative suggestions for throwing a huge chunk of debt on credit cards or care credit and then squeezing my insurance for the reimbursement. 2. Change to an insurance company that will give me the pre-authorization. Anyone know of insurance providers that are known to play nice with jaw surgery? Particularly Emory Clinic in Atlanta?Any thoughts or suggestions you could use to illuminate some options would be great. Thanks team!  <response>: I was going to do mandibular surgery orthognathic for 150,000 20 years ago that the insurers said no to -- both medically necessary and aesthetic. I decided not to do it. No issues long term.My little sister did the surgery, insurance said theyd cover it all, they lied. She ended up having to pay 45,000 out of pocket.Do not move forward with anything until youve performed your own due diligence and gotten everything in writing from every party. 