How to Know for SURE my Insurance Will Pay for a Deviated Septum, Septoplasty, and Turbinate Surgery??

most companies are required to give you preauthorization..  need need the codes, cpt and icd9 and examination as well as a letter of medical necessity.

you purchase your policy and must be your own advocate

While MOST insurance companies will pre-authorize for common nasal issues affecting breathing and quality of life, there is NEVER a guarantee attached to that. You should have enough reserve finances to account for the possibility of denial, which can happen even with a pre-authorization. However, remember that there is an appeal process with any denial. Good luck!

I agree with the others. You need to read the fine print to be sure there is not a waiting period. Also more insurance plans are requiring a certain period of time, like 3-6 months, of conservative medical treatment before they will approve the surgery. Speak to your benefite office at work for help or contact your insurance representative to also help you.