Insurance coverage for Septoplasty?

I'm 17, and my nose was broken when I got hit in the face several times during childhood. It resulted in deviation of septum, fractured nose, and breathing problems. I have Americhoice by United Healthcare Insurance without out of network benefits. Rhinoplasty wouldn't be covered, but what about the Septoplasty? Does anyone know a doctor who could perform both Rhinoplasty and have the Septoplasty covered? 

In line with this, would it be a good idea to have two surgeons perform Rhinoplasty and Septoplasty (covered) separately, or just one ENT surgeon? Some mentioned it would be affordable.

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7 answers to “Insurance coverage for Septoplasty?”

A: One surgeon - both covered

D.J. Verret, MD

While every insurance policy is different, most will cover septoplasty without much of a fuss. Some will require advance notification and precertification. Some insurance will also cover FUNCTIONAL rhinoplasty. Rhinoplasty simply refers to reshaping of th nose. In some cases, the reshaping must be done to... more

A: Most medical insurance companies cover septoplasty, NOT rhinoplasty

William Portuese, MD

Yes, most medical insurance companies cover payment for a septoplasty. Rhinoplasty is paid for by the individual since it is cosmetic surgery. Typical costs for a rhinoplasty range between $5,000 and $7,000, depending upon how complex it is. It is a good idea to have one surgeon perform both surgeries,... more

A: Insurance will only pay for the septoplasty

John Diaz, MD

A good rhinoplasty surgeon, whether they are an ENT or Plastic Surgeon, will be more than capable enough to do both a septoplasty and a cosmetic rhinoplasty. However, insurance will only pay for the septoplasty portion of the operation.

A: Cost of Septoplasty and Rhinoplasty

C. Spencer Cochran, MD

Septoplasty is a surgery performed to correct a deviated (or crooked) septum. The septum is the piece of cartilage that separates one side of the nose from the other. Normally, the septum is straight. When it is crooked, it is termed a deviated septum. A deviated septum can block the nasal passage and... more

A: Insurance Coverage for Septoplasty

Tanveer Janjua, MD

You are approaching it the wrong way. Your first question should be, 'What do I want?' Better breathing, better looking nose, or both. Septoplasty is easy and any ENT surgeon can do it for you. You should be able to find someone in your network. Rhinoplasty is a whole different ball game. You want it done once... more

A: A good rhinoplasty surgeon should be able to do both.

Toby G. Mayer, MD

Whether you go to an ENT of plastic or facial plastic surgeon, he should be able to do both operations at the same time. Insurance will only pay for the septoplasty. 

A: Insurance coverage for septoplasty

Sam Jejurikar, MD

Most plastic surgeons are capable of performing septoplasty, but many prefer getting an ENT colleague involved.  Sometimes, from a practical standpoint, it's easier to get insurance approval for the septoplasty if pre-authorization comes from another surgeon who is distinctly separate from the cosmetic... more

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