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.
January 12, 2015
Answer: Septoplasty
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. Just as patients pay for rhinoplasty you could get a quote as a self pay patient. This is an outpatient procedure and you may be surprised how affordable it might be on a global cash basis.
Helpful
January 12, 2015
Answer: Septoplasty
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. Just as patients pay for rhinoplasty you could get a quote as a self pay patient. This is an outpatient procedure and you may be surprised how affordable it might be on a global cash basis.
Helpful
August 23, 2011
Answer: 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.
Helpful
August 23, 2011
Answer: 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.
Helpful