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Is There Any Way to Get Rhinoplasty Covered by Insurance?

I was just wondering?

Doctor Answers 17

Rhinoplasty insurance

Insurance generally covers procedures that are to improve function and your health, but not those that are just for aesthetic purposes.  

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Is there any way to get rhinoplasty covered by insurance?

Hello! Thank you for your question! Surgical procedures for aesthetic purposes, to improve appearance, are not covered by insurance. Typically, these as well as complications resulting from such procedures are the responsibility of the patient. Procedures that are meant to correct functional issues and those which cause health-related issues should be covered by your insurance as a medical necessity, with proper examination and documentation. Some insurance plans have exclusion criteria for certain procedures. Also, it is an obligation of the surgeon not to attempt to authorize purely cosmetic procedures through insurance.  A rhinoplasty is typically cosmetic in nature and should not b covered?

Discuss your issues and complaints with a board-certified plastic surgeon to discuss these as well as to examine and assist you in deciding which procedure(s) will be the best for you. A discussion of the advantages and disadvantages will take place along with the risks and benefits. Insurance companies will vary on coverage and is always reasonable to discuss your issues with your surgeon and primary care. It would behoove you to get as much information as possible and even call your insurance yourself. Certainly, pay in advance prior to your surgical procedure and options such as financing are available if you qualify. Hope that this helps! Best wishes!

Lewis Albert Andres, MD
Scottsdale Plastic Surgeon
5.0 out of 5 stars 13 reviews

Insurance Coverage for Rhinoplasty

Insurance will usually cover functional problems such as breathing obstruction, repeated nasal or sinus infections, or intermitant nasal bleeding. They will not pay for any cosmetic changes.

Richard W. Fleming, MD
Beverly Hills Facial Plastic Surgeon
5.0 out of 5 stars 18 reviews

Insurance covers what is medically necessary, not cosmetic

Insurance will only cover a broken nose that has recently been broken, an old broken and twisted nose that is causing a breathing problem, or simply a deviated septum and/or turbinate surgery for breathing problems. Medical insurance also pays for sinus surgery. A rhinoplasty is considered cosmetic and is not covered by any medical insurance.

William Portuese, MD
Seattle Facial Plastic Surgeon
5.0 out of 5 stars 60 reviews

Insurance doesn't cover cosmetic surgery

It's very simple. If you are making your nose look better, it is not covered. You don't have a medical problem. If you are fixing a medical problem, usually a breathing problem, then insurance should cover it. Sometimes, you are doing both so insurance will cover part of the procedure  Good luck!

Parham Ganchi, PhD, MD
Wayne Plastic Surgeon
5.0 out of 5 stars 62 reviews

Rhinoplasty and insurance

Insurance will cover work on the septum to correct breathing problems. They will not cover any cosmetic work to the nose. Many times both procedures can be done at the same time, but the anesthesia and operating room fees for the cosmetic portion of the case will be your responsibility. Good luck, /nsn.

Nina S. Naidu, MD, FACS
New York Plastic Surgeon
4.0 out of 5 stars 5 reviews

Insurance will only cover nasal surgery for a breathing problem.

 If by rhinoplasty you mean cosmetic, the answer is no they won't. If the septum and or nose is deviated and causing a breathing problem, thsy may cover the part that is functional-not cosmetic.

Toby Mayer, MD
Beverly Hills Facial Plastic Surgeon
5.0 out of 5 stars 17 reviews

Rhinoplasty under insurance

It really depends what the problem is that is being addressed. If you are trying to achieve a more cosmetic result then the answer is no. If you have breathing problems and you need surgery on your septum, or turbinates or spreader grafts to open up your airway, then that may be covered.

Cosmetic procedures are not medically necessary and therefore would not be covered by insurance.

Farbod Esmailian, MD
Orange County Plastic Surgeon
5.0 out of 5 stars 49 reviews

Insurance coverage of rhinoplasty

Essentially the answer comes down to the question if your rhinoplasty is functional or cosmetic. IF it is the former, then there is a greater likelihood that the procedure will be covered. If it is cosmetic, it is highly improbable that it will be a covered procedure.

Otto Joseph Placik, MD
Chicago Plastic Surgeon
5.0 out of 5 stars 54 reviews

Medical insurance won't cover cosmetic surgery

Many people have tried! But it doesn't work. Here in Canada, our provincial medical coverage will pay for damaged noses, either from injury, prior surgery or developmental reasons. If you have difficulty breathing, and it’s due to a surgically correctable cause like a deviated septum, the cost will be covered. Likewise if you have broken your nose and the external appearance is crooked. But that's where it ends. Anything else is cosmetic and is the responsibility of the patient. A nose with a dorsal hump won't have a straight profile afterwards.

People are often surprised that a crooked nose won't necessarily appear straight after corrective surgery to improve nasal breathing. The reason is the surgery needed is internal, and often the septal straightening isn't reflected externally. The problem area is at the bottom of your nose, not the bridge between the eyes. However not all is lost! Combining functional and cosmetic nasal surgery can reduce the overall cost somewhat, as a part of the institutional/surgicenter costs, those directly related to the functional work, are picked up by the provincial carrier.

Oakley Smith, MD
Toronto Facial Plastic Surgeon
5.0 out of 5 stars 31 reviews

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.