Would insurance cover a septorhinoplasty?

Your insurance may well cover all or part of your rhinoplasty procedure.  You and your surgeon can check with the insurance company to determine what will be covered and what you will be responsible for.  Make sure you get very specific with your surgeon how much you will be out of pocket.  If the surgeon asks you to pay the entire fee in advance but will bill insurance for you, make sure that when the insurance pays, you will be reimbursed first.  Can be tricky territory here so specifics a need to be spelled out ahead of time.  

Every insurance contract offers different benefits.  Your arrangement is specified by your health insurance carrier.  Generally, obstruction to breathing resulting from your post-traumatic deformity must be significant and well documented for the septorhinoplasty to be a covered benefit.
YES, it is indeed possible for the cartilage portion of the nasal septum to be deviated without osseous (bony) damage resulting in diminished air flow through portions of your nose.
Many aesthetic rhinoplasty surgeons (myself included) do not bill insurance for septorhinoplasty, because insurance payment doesn't cover our costs of doing the procedure.

The answer is - maybe. I happen to do quite a bit of reconstructive work that includes septorhinoplasty that can be partially or fully covered by some insurances. My office only takes PPO health plans. A thorough examination will reveal if the septum is the cause of the deviation of the bridge. Take a look at our site below for further information.

     Dear 488GTB in San Diego, California:
          Because you had an injury to your nose and you have a deviated septum if, in fact, this is causing a deformity and breathing problem, then insurance may well be a participant.  The only way to know is to have consultation.   At the consultation the surgeon will evaluate the structure of the nose.  Generally, insurance policies do not pay for strictly cosmetic procedures, but they do usually have benefits for correction of the nose after an injury, and/or improvement of breathing whether from an injury or from other known sources.  Your consultation evaluation can give the surgeon an opportunity to answer the questions your insurance company will have.  Even before surgery, it is possible to get a “green light” from your insurer but this depends on the report that the doctor performing the consultation will provide to the insurance company.

          Yes, it is possible the deviated septum is causing the deformity, even without nasal bone damage.  As the old rhinoplasty adage goes, “as the septum goes, so goes the nose.”

You want to do your homework before consultation.  Prepare well for your consultation.  When you search, look for rhinoplasty super-specialists.  These are surgeons whose practice is the majority or entirely devoted to rhinoplasty, septoplasty, and related procedures.  This would include both primary and revision rhinoplasty surgery.  Why not have the most specialized talent in your service?  Consider how much experience the surgeon has doing the procedure you are considering. We all get better at what we do with time and so those surgeons who have a long run of experience are the ones who have learned the most from experience. Residency and fellowship are where the learning begins, but for all of us, time and experience is where the education continues.

Part of your preparation for consultation should be preparing a list of questions beforehand.  Bring a notepad or ipad or laptop with you and take notes as the surgeon answers the question you are asking.  You should spend more time with the surgeon than with the office administrative staff, because you need to get a sense of whether you are comfortable with the doctor.  You should not feel rushed that you are on a consultation conveyer belt.  If the presentation by the office staff seems a bit to “salesie” that is a bit of a yellow or red light.  Take a friend or relative along since two heads are better than one in gaining information and understanding.  In the end, the purpose of the consultation is for you to be educated and be comfortable, not to be “ sold”.  Ask yourself two key questions: “Is this surgeon teaching me or selling?” And secondly, “Can I put my life and my face into this particular surgeon’s hands? Can I trust him/her?”

There are excellent books out there that you can read and use to study up. It is worth the homework time you put in up front so that you make the right decision with respect to choosing a surgeon who has the talent, experience, and degree of super-specialization that you certainly want to have. 

When you visit doctor’s websites, the most important feature on the site is the before and after gallery.  If there are just a few examples of rhinoplasty or revision rhinoplasty, you wonder how much experience the surgeon has performing such surgeries.  There need to be dozens and dozens of examples.  The more examples there are, the more likely you will see one or more that demonstrate situations similar to yours.  Look closely at the photos for natural results.  That is what you want.  Nobody wants to carry a sign saying “I have had a rhinoplasty.”

     Reviews on review sites, particularly RealSelf are very important and should be carefully digested. The larger the number of reviews the most accurate the picture of the practice and particularly the doctor. A consensus is generally correct.

   A consultation without computer imaging is, in my opinion, of much less value.  Why shouldn’t you see the predicted result of the procedure the doctor is proposing?  At consultation, photos are taken of you and loaded into a computer system that morphs your present appearance into the anticipated “after” based on the nasal surgeons input.  Imaging is an incomparable learning tool because it provides a forum for doctor and patient agreement on what would satisfy the patient and what is, in the doctor’s opinion, achievable.  After all, cosmetic surgery is 100% visual.  It is about appearance, so without a visual evidence of what is planned, how can you make a decision as to whether or not you might be satisfied.  Talking about it is worthless.  To anticipate a successful outcome, there must be a meeting of the minds between surgeon and patient.

     Best wishes,

 

Robert Kotler, MD, FACS
Over 4,500 nasal procedures performed

 Functional nasal surgery for breathing such as a septoplasty can be billed to the patient's medical insurance once medical necessity and preauthorization has occurred. Anticipate co-pays and deductibles associated with your medical insurance. A rhinoplasty is considered cosmetic to change the shape of the nose, and must be paid for by the patient. Both procedures can be performed under one anesthesia with one recovery period.  For more information about the differences between the two procedures, please see the video below

Dear 488GTB, Schedule some appointments with experts in septorhinoplasty surgery. During your consultation an intra nasal examination will be performed  and a proper diagnosis is made. Once the cause of your breathing complications has been diagnosed then a preauthorization is sent into the insurance company to determine benefits. During your consultation you can also have imaging performed to show you the proposed changes to your nose and once a desired nose is agreed upon then the surgeon will further discuss the details of the techniques which will be used. Review the surgeons before and after photographs to ensure expertise and natural looking results. See the septorhinoplasty link below for examples of many before and after photographs as well as the video. Best regards, Michael V. Elam, M.D.