Insurance Coverage - Septorhinoplasty?

I know cosmetic rhinoplasty is NOT covered by insurance. My doctor said I should be able to be covered for the septoplasty portion of my surgery. But, since I am having both procedures performed at the same time, I am concerned about getting rejected by my insurance company (Blue Cross) and have no prior documentation of breathing troubles. My doctor said the whole process would be $1000 less if I don't go through insurance. I am wondering if that is a better option if I'm likely to be rejected?

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