Insurance Cover Rhinoplasty or Nose Job Surgery?

As pointed out by other surgeons, the answer to this question can get very complicated. Your health insurance plan should cover any nose surgery (including surgeon fees, anesthesia and facility costs) that is done with the specific intention of improving your nasal breathing and/or repairing structural damage from a nose injury. Of course, obtaining pre-authorization from your insurance carrier is always recommended. This means the proposed surgical procedure and indications for the... more

How much insurance will pay for nasal surgery is a very gray area. This is especially true when there is a functional component. 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... more

The insurance coverage for surgery is dependent on your individual healthy insurance policy. For nose surgery, most insurance companies will scrutinize the procedure carefully to make sure that it is not for cosmetic reasons. Insurance may cover nose surgery for breathing problems like a deviated septum. If you decide to add a cosmetic refinement of the nose to the insurance coverage nose surgery, then you will have to incur the cost of the cosmetic portion. That includes that surgeon's... more

Most insurance companies will pay for the functional portion of your sugery. It is always a good idea to get a predetermination of benefits before embarking on an elective surgery such as a septoplasty. The bump on the nose would be considered cosmetic and insurance will not generally pay for that portion of the procedure. The costs involve will vary depending on your insurance, the location of the procedure, and the area of the country you are in. Generally you will have a facility fee, a... more