Will Insurance Cover Both Septoplasty and Rhinoplasty?

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.