Insurance Coverage for Nose Hump Removal Due to Injury?

Although your insurance may have paid for the intial repair of the nasal fracture it is unlikely that they will cover the subsequent correction unless there is some functional component. This means that your "deformity" must be causing some breathing difficulties. The likelihood of this is relatively low. To know for certain, see a rhinoplasty surgeon and have trhem complete an evaluation and prepare a letter of predetermination of benefits coverage to your insurance carrier.

 Most insurance companies will only cover this if there is a functional component. You can check with them to get a predetermination of what they will cover.

Traumatic hump deformities from sports related injuries may in some cases be covered by insurance companies especially if there is a concomitant break or deviation of the septum. I have had many patients be able to have this problem corrected who are basketball players at the local university as well as baseball players. That being said we would have to pre-certify the procedure with your insurance company. One thing you can do is check with your insurance company policy to see if it is a covered procedure.
For a non-cosmetic procedure, often an open reduction of nasal fracture with septal fixation is used so you may try that avenue. In my personal opinion, it should be covered since it is the direct result of trauma as long as you are not seeking to have an aesthetic or cosmetic rhinoplasty done with the rest of your nose at the same time. I hope this information helps.

It's unlikely that your insurance company will cover the costs of rhinoplasty, since your predominant complaint is a cosmetic concern, not a functional one. Insurance companies are much more likely to cover some of the costs of rhinoplasty if there is documented airway obstruction or breathing problems. A bump on your nose, although the result of trauma, ultimately is a cosmetic concern.
Hope this helps. Best of luck.

Insurance is a contract between you and your insurance company. I suggest you contact your carrier and ask them if a facial fracture is a "covered" expense and get it in writing.

Be aware however, that insurance companies make money by denying claims. So even if in writing, be prepared to fight.