I have a deviated septum with a bone spur and a hump. Will septoplasty resolve both of these issues? (Photo)

Generally speaking, insurance companies only cover functional issues, which include a deviated septum, nasal valve collapse, or nasal fracture. When they discuss septorhinoplasty coverage, that is what they are referring to. A dorsal hump is not one of these and is considered cosmetic. Fortunately, your insurance company will still cover the other things, which will significantly reduce your cost. 

Dear Prettyeyes,
Clinically, the best option is to perform cosmetic and functional nasal surgeries together. However, insurance companies generally don’t cover a septo-rhinoplasty. Some of my patients travelling from european countries have been able to charge a fraction of such a surgical procedure to their insurance companies, but some other have failed to do so. My advice to you is, being ready to pay for a full septo-rhinoplasty procedure yourself, as it is not generally covered.

In general, insurance will pay for everything on the inside, but not for a bump on the outside. If you are thinking of doing both, then it is always best to do them together. Be sure to see a rhinoplasty expert for the bump though.