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Can Insurance Cover My Deviated Septum Issues

About 10 years ago I was hit in the face with a baseball ( talking trash to my sister) , my nose has always looked fine on the outside. On the inside on the right side the septum is deviated and the bottom is cracked up. I have to pick at it to keep the nose from blocking up. I am looking for an insurance company, a doctor in Chicago, and the best way to handle this. I dont want to go and get insurance and then have them say its a pre existing condition. I appreciate your professional opinion.

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6 Doctor Answers | Asked by I Love Doctors in Palatine, IL

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Insurance Coverage for Deviated Septum

Deviated Septum causing breathing issues is usually covered by insurance. Ensurance that you have proper documentation including supporting documentation from other physicians in addition to your surgeon. It also is generally helpful to utilize a surgeon within your network.

Deviated septum causing nasal breathing problems usually is covered by insurance.

Hello “ I LoveDoctors” in Palatine, Illinois: It is good to hear from Illinois, my birthplace. It sounds like the injury you sustained when you were talking badly to your sister may have been the factor in your septum no longer being a midline structure and since causing you problems. It is important to breathe normally, and you are entitled to breathe normally, and so the operation seems appropriate. And the operation is a successful operation, I... more

Robert Kotler, MD

27 reviews

Beverly Hills Facial Plastic Surgeon

www.robertkotlermd.com

Deviated septum is usually covered by insurence

A deviated septum is usually covered by insurence, but you should check with your provider. Your surgeon's office should also be able to help determine what your insurence will cover.

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Septoplasty for breathing problems is usually a covered procdeure under most insurance plans. Whether or not this would be a pre existing problem and not covered for you is something between you and the company you choose and not influenced by the doctor. The Obama healthcare plan is supposed to eliminate this issue but it's unknown if it will survive as currently written. You do have the option of taking care of this on your own and not trying to get some company to pay for it... more

Michael L. Schwartz, MD

3 reviews

Fort Lauderdale Facial Plastic Surgeon

www.palmbeachface.com

Insurance Coverage for Septoplasty

Septoplasty is a covered service under most insurance plans. There may be some issues in regards to pre-existing conditions if you go out and purchase your own policy for the purpose of coverage specifically for this surgery. I am not an expert on insurance but I would assume that this way of 'gaming the system' is likely prohibited.

Insurance usually covers Septoplasty

Having a deviated septum causes a blockage of the airway which is a condition that is typically covered by most insurance companies. All insurance companies vary in their pre existing condition policies. Some insurance companies do not have pre existing restraints and others have policies where you must have the insurance in tact for a certain amount of months prior to a scheduled procedure or diagnosis. I hope this is of some help to you. Best regards!

Michael Elam, MD

87 reviews

Orange County Facial Plastic Surgeon

michaelelammd.com

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These answers are for educational purposes and should not be relied upon as a substitute for medical advice you may receive from your physician. If you have a medical emergency, please call 911. These answers do not constitute or initiate a patient/doctor relationship.