Would insurance cover a rhinoplasty after a car accident?

Hello.
Great question. I am sorry for your accident. Insurance usually cover nose jobs when it is regarding its function. I will suggest contacting your insurance provider for further details.

Your insurance will probably correct the breathing issues. On the appearance of the nose itself they may consider it cosmetic and therefore not pay for that part.  You can try to get authorization ahead of time but insurance companies are less likely to cover it than maybe twenty years ago. They may give you a hard time.

Hello and thank you for your question. Insurance will cover a septoplasty and functional breathing reconstruction.  Cosmetic changes require out-of-pocket charges.  Typically insurance would cover approximately half of the total cost of a rhinoplasty and septoplasty.  Make sure you specifically look at before and after pictures of real patients who have had this surgery performed by your surgeon and not just a computer animation system.  You should be able to view numerous pictures of actual patients with noses similar to yours performed by your surgeon.  If you cannot find enough real before and after pictures, then consider continuing your search for a surgeon. Best wishes and good luck.


Richard G. Reish, M.D. FACS

Harvard-trained plastic surgeon