Is rhinophyma/bulbous tip covered by insurance? (Photo)

I don't see much in the way of rhinophyma on the photo. However, revising and reshaping the tip should give you a nice natural looking improvement. Insurance would not cover it, however. Be sure to see a rhinoplasty specialist for consultation.

It is difficult to tell how much of your tip is from the rhinophyma and how much is from your tip cartilage. Any cartilage tip work would not be covered by insurance. To really tell what is best, your surgeon would need to touch your nose. A photograph is insufficient to tell.

The photos do not show an individual with rhinophyma.  The shape of your nasal tip is determined by the size and quality of the lower lateral cartilages.  These can be refined surgically in a Rhinoplasty procedure. This is considered an elective cosmetic procedure and is not covered by insurance.  

Hello and thank you for your question. Based on your
photograph, you may benefit from a tip refining rhinoplasty. Your surgeon can
accomplish this by trimming, suturing, and reshaping the cartilage in your
lower nose. A septoplasty and breathing issues can be covered by insurance, but not strictly cosmetic issues.  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. The most important aspect is to find a
surgeon you are comfortable with. I recommend that you seek consultation with a
qualified board-certified plastic surgeon who can evaluate you in person.
Best wishes and good luck.
Richard G. Reish, M.D. FACS
Harvard-trained plastic surgeon

Without in person evaluation it would be impossible to tell you whether this mass on the tip is rhinophyma or not. Surgical excision is usual treatment for rhinophyma. It this is other type of benign growth it can be removed using  hidden incisions typical for rhinoplasty.. Good luck.