Is it possible to buy health insurance with the plan to do surgery?

[Asdefxx]

I'm not sure if this is realistic, but I thought I'd ask. I may be in the awkward position where I'll need to buy insurance in the private marketplace to cover me for the rest of the year.

I've been wanting an implant for a while, even saw a urologist for it already. So this gave me the idea of killing two birds and one stone and specifically choosing an insurer that is the most willing about approving implants, and then finally getting mine done.

Is this realistic though? Can I just choose whatever insurer I feel like and buy a plan off them? I'm in Pittsburgh, and I went on pennie.com and typed my zip code and it only gave me two options, Highmark and UPMC Health Plan. Surprised how cheap it was though, $300/month, I was expecting more given all the buzz about the skyrocketing healthcare costs.

[GoodWood]

You’d need to read the policy and its exclusions carefully.

Many insurance policies have exclusion causes that explicitly state that they don’t cover treatment for sexual dysfunction.

Eliminating preexisting condition clauses was a core component of the ACA (Obamacare) so you should be OK there.

So, contact both companies and ask for a copy of the plan including their exclusion clauses.

[edjohn]

And get the opinion of your favorite surgeon's office. When I asked about BCBS my surgeon's rep said state by state it isn't guaranteed but the federal employee plan should be good to go. They know.