Insurance will usually cover a Rhinoplasty for improving breathing
Rhinoplasty performed to correct an anatomical abnormality that obstructs breathing should be covered by insurance. Unless your current health care insurance excludes pre-existant condoitions, you should be OK.
Your doctor will have to document your breathing difficulty with notes and possibly photographs.
I would check with your insurance company about their requirements before your consult with a doctor. It would be best if your primary care doctor diagnosed the problem and referred you to a surgeon for treatment.
Be sure to request a plastic surgeon as many ENT surgeons will only correct the airway and not bother with the look of the nose.
Insurance Coverage For Breathing Issues
Every insurance policy is different in what it will and will not cover. An office experienced in performing both functional and aesthetic rhinoplasty can help determine your coverage for a given procedure (such as septoplasty) and work with you to guide you through this process.
Insurance normally covers breathing problem surgery.
Most insurance has a pre-existing surgery clause that is in effect for a few months. After that time most insurance will cover a percentage of what they deem "reasonable and customary". The better the insurance the more they allow and the greater the cost of the premium. Nasal airway obstruction and difficulty breathing that does not respond to medicine is usually covered.
Insurance coverage for nasal surgery
Hi Again, CNV,
Many insurance companies will partially cover some of the cost of functional nasal problems (breathing), and nasal fracture corrections. They will not cover the cost of cosmetic corrections. You need to check with your individual insurance policy whether pre-existing clauses will affect the payment.