Plastic Surgery Ins Question

I was wondering if anyone has had any experience with MVP High Deductible covering a TT? I have BC/BS federal employee plan but after my plastics consult found out that they will NOT "predetermine", therefore I would need to lay out the money first and then the surgeon would submit to the insurance..I would then have to keep my fingers crossed that they would deem medically necessary and reimburse. I have the option at this time to change insurance companies and was wondering how great - or not so great MVP-HD is. I do have rashes where the skin hangs and the plastic surgeon took pictures and was willing to write my insurance company. That is on hold now as I try to figure out which insurance would be a better. Any advise would be gratefully appreciated!!
Thanks!
Jane

Jane trust me look around I had same problem but I was lucky to find my Plastic who took BCBS as payment in syracuse,,No one in my area would do surgery because of Gastric bypass Pt and them lsing money hard to explain But My PS explained it to me

Thank you for your reply.  The PS is willing to submit to BC/BS...It's BC/BS which will not pre-authorize... therfore not guarantee any type of payment to PS.  I cannot afford to lay out the 6500... in hopes BC/CS will pay.