It is not possible to comment on wether or not you have an open roof deformity based on your photo. Additional photos would be helpful and an in person evaluation would be needed. With the regards to insurance coverage for rhinoplasty, occasionally an insurance provider will cover the surgery. Typically this is only in the case of deformity due to trauma or a deformity that is causing a functional deficit in nose breathing that cannot be improved with the use of medications. Other restrictions may be written into various contracts. All insurance plans have their own rules and regulations which may or may not allow for coverage of rhinoplasty. Best regards