Will my Insurance Company Cover Septal Perforation?

Question

I was wondering if my insurance provider Blue Cross Blue Shield of Arizona would cover this. I have the Blue Portfolio Plus Plan and have tried extensively to find information about this in my benefit coverages and guidelines book. Also does it matter how my Septal perforation came about? Any information about this would be very much appreciated.

Anil R. Shah, MD · Answer

Insurance varies from carrier to carrier but for patients with symptomatic perforation (i.e. nasal obstruction, whistling, bleeding, etc) coverage is much more likely.

Scott Trimas, MD · Answer

Often for an insurance to consider repairing a septal perforation, the patient must be symptomatic that is nose bleeds, crusting, whistling noises, etc. Then there may be a preexisting condition clause depending upon your particular contract which would determine length of time. If all else fails, call your provider representative and ask them. Good luck.

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