Crazy coincidence!! I'm 24, male w/underbite awaiting surgery living in B-more (also pursuing a career in Nursing). I'm seeing a surgeon @ the University of Maryland (downtown Bmore)- Dr. Caccamese. I've also had concerns about my insurance covering it, and I was told today that it shouldn't be a problem. I'm insured by CareFirst Blue Choice. It excludes coverage for solely fixing a malocclusion, but covers orthognathic surgery if deemed medically necessary- such as my case. I made it a point to explain that in no way was I concerned w/ the cosmetic aspect of the procedure- only in the functionality of my jaw- even though the truth is that yes, I want to look good too. I'm very self-conscious as well, but the insurance companies don't want to hear that. The only know that I have breathing problems, chewing problems, sleeping problems, headaches, etc.
However, if in no way you can get in covered by insurance here, consider "dental tourism" in other countries, namely Costa Rica. I've done plenty of research and have found some great, AAOMS certified surgeons that perform orthognathic surgery for much less. It might sound crazy/ridiculous, but you would be very surprised to know how many Americans have their surgery done in other countries. Check out Dr. Oscar Reiche
www.costaricahealth.com/medical_special ... or_reiche/
He's the ONLY one I've found in Costa Rica whose credentials are what they say they are. He's American educated and is an active member of the AAOMS- American Academy of Oral and Maxiofacial Surgeons. His fee is a bit high- about 15k (double of other surgeons in the area), but it includes everything from the surgery to the 2 week stay at a surgery retreat/ recovery spa, nurse care, follow-ups, meals, transportation, etc. If it wasn't for my insurance covering it, that would definitely be my route.
Dr. Andres Fernandez's fee is about $7,500 - another surgeon in Costa Rica.
Check it out.
Good luck- wish me luck too! My insurance could drop me at the last minute.