Will Insurance Cover Both Septoplasty and Rhinoplasty?

Septoplasty gets covered by insurance. Rhinoplasty does not. When you get approval, get approval for only Septoplasty codes 30520.
For the time your surgeon uses to do rhinoplasty part, lets say one hour you will pay the facility (surgery center) a pre negotiated rate anywhere from $500 to $2000 depending on the time it takes your surgeon to do the rhinoplasty part.
Same way with Anesthesiologist's fees. You pay for the time a pre negotiated fee. Most surgery centers have that rate sheet available for doctors.
Remember, when you are getting approval for septoplast you do not have to mention anything about rhinoplasty or it will confuse the insurance people and they might think you are trying to scam them.
Regards

Technically, an insurance company will only cover a rhinoplasty if it is a functional procedure that is fixing your breathing capability. They will not cover any purely cosmetic procedures. You will have to ask your insurance company if this is allowed, and then send all scans and information from your doctors to your insurance company. 
 

Insurance generally covers procedures that are to improve function and your health, but not those that are just for aesthetic purposes. Your septoplasty may be covered but the rhinoplasty. You should ask your provider directly, however.

A rhinoplasty (cosmetic) can be done without a septoplasty - the operations are unique and exclusive - we typically bill insurance for the septoplasty and patient pays out of pocket for rhinoplasty. This system works fine and we have not had any issues.

Hello! Thank you for your question! Surgical procedures for aesthetic
purposes, to improve appearance, are not covered by insurance.
Typically, these as well as complications resulting from such procedures
are the responsibility of the patient. Procedures that are meant to
correct functional issues and those which cause health-related issues
should be covered by your insurance as a medical necessity, with proper
examination and documentation. Some insurance plans have exclusion
criteria for certain procedures. Also, it is an obligation of the
surgeon not to attempt to authorize purely cosmetic procedures through
insurance.  The septoplasty portion is typically covered, however not the rhinoplasty.  The facility and anesthesia times should commence once the septoplasy ends.Discuss your issues and
complaints with a board-certified plastic surgeon to discuss these as
well as to examine and assist you in deciding which procedure(s) will be
the best for you. A discussion of the advantages and disadvantages will
take place along with the risks and benefits. Insurance companies will
vary on coverage and is always reasonable to discuss your issues with
your surgeon and primary care. It would behoove you to get as much
information as possible and even call your insurance yourself.
Certainly, pay in advance prior to your surgical procedure and options
such as financing are available if you qualify. Hope that this helps!
Best wishes!

                  It’s
not unreasonable to seek prior authorization from insurance carriers for both
rhinoplasty and septoplasty simultaneously. Post traumatic deformities of the
nose and deviated nasal septum’s can both be caused by trauma and both problems
may therefore be covered by insurance.

                  It’s
not unusual for septoplasty to be covered by insurance, especially when nasal
airway obstruction is present. Under these circumstances this represents a
functional problem. Rarely insurance covers reconstructive rhinoplasty as a
restorative procedure.

                  In
some cases, insurance carriers approve septoplasty, while denying benefits for
rhinoplasty. In this situation, nothing is lost by running the rhinoplasty
through insurance. For this reason, there’s no reason not to seek prior
authorization for both procedures, if there’s any question about insurance
coverage. 

Dear Hollywood Princess,
LOL!
Not only will insurance not pay for rhinoplasty, President Obama plans to tax you 10% right up the nose for any cosmetic procedure in the future.
As for insurance paying for septoplasty, they will throw a few dollars to the doctor, charge the patient a co-payment on top of the inflated premiums and deductibles that they have to pay, and laugh all the way to the bank with their corporate profits.
No wonder that so many physicians no longer have contracts with health insurance companies.
Best for the Hollywood Princess to find a Hollywood Prince or King to pay for her Hollywood nose job. Also best to keep the cosmetic and functional (septoplasty) portions of your surgery quite separate.
Good luck and be well, do choose your rhinoplasty surgeon carefully.
Dr. P

Septoplasty may be covered by your health insurance if significant functional issues are caused by the septal deviation. An aesthetic rhinoplasty will not be covered.
In general, it is important for you to be forthcoming with your surgeon and your surgeon to be honest with you and the insurance company about your condition and physical findings. For instance, doing a septoplasty in order to receive insurance coverage in the absence of good medical reasons is certainly not in the patient's best interest ...

You can have, and should have your deviated septum repaired at the time of Rhinoplasty surgery. Most Rhinoplasties I perform have both a functional and cosmetic component. And most insurance plans will cover the functional portion of your surgery and the associated anesthesia / facility fee.
Your mom is right. If your doctor tries to get pre-authorization for a Rhinoplasty (not a covered benefit), they may subsequently deny a Septoplasty.
Your experienced, certified Rhinoplasty surgeon would be familliar with the proper protocol for getting the functional portion of your surgery covered.
I hope this helps, and best regards.

 Insurance will cover the functional part (septoplasty or turbinate surgery) but not the cosmetic portion. See an experienced rhinoplasty surgeon and he will tell  you how much of the surgery will be covered when they check with your insurance company.