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.

You should check with your insurance company to see if you can get pre-authorization for the procedures.  I suppose like someone else wrote, prepare to pay for it all jsut in case. But you really should know ahead of time what your insurance company will cover. 

 

 

The brutal truth is you can never be sure.  Even when a physician's office obtains preauthorization for a surgery it alwasy comes written that preauthorization is not a guarantee of payment. Health insurance companies can refuse to pay even if authorized and sometimes employ "recovery companies" to demand money back up to two years after they have paid. This reprehensible practice is only tolerated in the medical field where patients expect third parties to pay for their services and legislatures protect insurance companies.