How do you find out if your insurance will cover part of your rhinoplasty?
Good question. This is a very common question.
The easiest way to find out if your insurance will cover a part of your rhinoplasty is to call the number on the back of your insurance card and ask them if they cover septoplasty or septorhinoplasty or nasal reconstruction.
With that said, actual rhinoplasty is cosmetic and not covered by insurance. It should not be. It would be insurance fraud otherwise and its not worth the risk to you or your doctor. However, if you have a deviated septum or enlarged turbinates then insurance may and should cover those functional breathing issues and therefore a part of your anesthesia and hospital fees should be covered as well.
This is typically a small portion. You may save $1000-2000 dollars this way but its not anywhere close to half of the cost of the surgery (which many patients think it is).
The facts are that any decent ENT surgeon should be able to do your septoplasty or turbinate reduction through insurance. However, a highly skilled Rhinoplasty surgeon is paid for his skill, training and specialization therefore the cost of the cosmetic rhinoplasty is much higher than the cost of the septoplasty or turbinate reductions. With that said, there are plenty of ENT surgeons and plastic surgeons who do not do lots of cosmetic Rhinoplasties or simply do an average quickie surgery without the careful meticulous attention to detail needed and they may charge $1-4K in addition and above the insurance collection, but thats a risk you do not want to take with your nose. Do not look for bargain Rhinoplasty! But there are also several surgeons who charge an arm and a leg in NY or LA who dont do much better work than less expensive surgeons either. Just do your research and if a part of it can be charged through insurance then thats even better – some times!