Most insurance companies will not pay for nasal surgery performed for cosmetic reasons. Occassionally, they will cover surgery performed to correct post-traumatic deformities. Insurance will, however, pay for the portion of a rhinoplasty that is done to improve your breathing -- i.e., correcting a deviated septum (septoplasty) or reconstructing collapsed breathing passages (spreader grafts). You should check with your physician to see if he accepts insurance and whether or not you are a candidate for these types of procedures.
A septoplasty does not change the shape of the nose and is therefore considered a functional procedure as opposed to a cosmetic procedure. As such, it is a procedure that insurance should pay for (as well as facility fees and anesthesia costs). Verification of benefits and prior authorization before surgery should be obtained.
Rhinoplasty is considered a cosmetic procedure. It is very unlikely that insurance will contribute to that portion of the procedure. Even though the rhinoplasty portion of your surgery will be considered cosmetic, the functional component will be covered by your insurance and may decrease your out of pocket expense.
However, for patients with a history of prior nasal trauma and documented symptoms of nasal obstruction, a septorhinoplasty may be covered by your insurance. This terminology denotes that the surgery is performed to correct funcational problems and required reshaping the nose.
Choose a rhinoplasty surgeon who has experience in correcting both functional and cosmetic nose problems. Check to see if the physician's office can assist with your arranging your insurance pre-authorization.