Severe underbite and TMJ, insurance will not cover. Any advice on how I can get this covered? (Photos)

I have a protruded bottom jaw & my top jaw sits back too far so I am in need of a double jaw surgery. I was supposed to get this 6 years ago but insurance constantly denies every attempt because it is "cosmetic". I have headaches and jaw pain 24/7 (that is not an exaggeration), my jaw constantly locks & pops. I can no longer bite or chew properly which has me on a liquid diet. I have a speech impediment & I have been in braces for 10 years because of this. How do I get them to see I need this?

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