individual insurance

i am new here and wanting to know if i get individual insurance will it cover the surgery? i am looking at either aetna or uhc, i'm not sure what plan to get but my job doesn't offer any group insurance. has anyone been thru this type of situation? please help as i am desperate to find a way to get this surgery. i am only 24 and not that familar with insurance so this question may be a little silly but, do you pay for your deductable ahead of time or is it billed to you? thanx please write back

you have to ask each company or look them up on line. being only 24 you might want to give this procedure alot of thought as it is a lifetime commitment. good luck.