Would insurance cover my turbinate reduction and rhinoplasty?

 There are multiple issues inside the nose that can all cause nasal obstruction which include turbinate hypertrophy, allergies, valve collapse, and a deviated nasal septum. Each one of these are treated differently. Best to let your ENT/facial plastic surgeon make the diagnosis after consultation and examination. Any functional surgery his billed the patient's medical insurance for medical necessity. Any cosmetic surgery is paid for by the patient themselves. Both procedures can be performed under the same anesthetic with same recovery period.

I generally keep things as separate as possible, as to avoid any confusion for the patient and the carrier.

Cosmetic is Cosmetic, and it should not be billed to an insurance company under a functional umbrella. You are only asking for trouble if you do that. It is likely that the carrier will review the clinical information and deny the whole case, leaving you with the entire bill. From a provider standpoint, it really is fraudulent to do so.

That being said, insurance can and should pay for functional surgery. Taking this approach, patients will generally avoid >50% of the facility/anesthesia fees and a portion of the professional fees. It can make a substantial impact on cost to combine functional and cosmetic surgery into a single procedure.

This approach also allows the doctor to give you a concrete number for your out of pocket costs, rather than a situation where you may get reimbursed if and when your insurance pays out. 

Best of luck and hope it works out for you