Insurance covers reconstructive surgery, which is done to restore or improve function. Cosmetic surgery is done to improve appearance, and is NOT covered by insurance.
Too many rhinoplasty surgeons years ago did "reconstructive septorhinoplasties" for "breathiing" when in reality what the patient wanted (and got their surgeon to fraudulently go along with) was cosmetic rhinoplasty that may or may not have even included septal "work" at the same operation. Insurance companies quickly caught on, and now the cosmetic and reconstructive portions are separated, and the "cosmetic" portion is billed to the patient, along with the attendant operating room and anesthesia charges.
This commonly results in total costs that FAR EXCEED what would have simply been paid for by the patient as cosmetic rhinoplasty and appropriate airway repair (septoplasty, partial turbinectomies, etc.) done at the same operative setting.
Sorry, but if you want to improve your breathing, this will be covered by insurance, and your nose may look exactly the same as it does now (yes, crooked). Most surgeons will be happy to do the septal centralization (septoplasty or submucous resection) at the hospital or surgicenter where insurance covers the septal surgery, operating room, and anesthesia charges. Howefer, changing your nose's appearance is considered cosmetic, and the surgeon will charge "extra" for this, and the hospital or surgicenter charges you for the "cosmetic portion" of the OR and anesthesia bills. That's where the HUGE unanticipated costs come in, since these bills are usually sent later.
And, of course, the patient thought that their bill would be "less" since there was an insurance-reimbursable part of the whole operation. This is the main reason I now perform rhinoplasty in my nationally-accredited office surgical facility for the total cosmetic rhinoplasty charge, and do whatever is surgically needed to maintain or improve airways at no additional cost (or reduction). I do not bill insurance and do not accept their reduced fee payment. This keeps it both honest and fair--and the cost doesn't change, or additional bills arrive later! Dr. Tholen