Insurance Coverage For A Rhinoplasty: What You Need To Know

​Rhinoplasty procedures that aim at cosmetic improvement may not be part of insurance coverage. Functional Rhinoplasty that aims to correct functional issues may be fully or partially covered. 
 
Technically speaking, they do not consider functional rhinoplasty as cosmetic surgery if the treatment process is to correct a medical issue of the nose. It does not make visible changes to the nose appearance but can make the nasal contours appealing if a patient decides. 
 
If you need this kind of surgery, discuss your needs with an expert reconstructive plastic surgeon. It ensures you positive results with improved breathing. 

Functional Issues Treated By Rhinoplasty

• Create free airflow
• Repair the nose's inner structure 
• Nasal trauma due to accident 
• Nasal trauma due to sports injury 
• Other nasal functional defects 

 
Most patients with this surgery were born with excessively narrow nostrils or a deviated septum.

How to Determine if Your Insurance will Cover Rhinoplasty?
Insurance providers separate the procedures of plastic surgery into two categories. The classification can be cosmetic surgery for patients willing to undergo plastic surgery to improve their looks.

Insurance companies may consider it medically necessary for patients seeking plastic surgery to restore or improve function. 

How to Ensure Your Policy Covers Your Rhinoplasty?
To ensure your policy covers your Rhinoplasty, you must prove your functional problems need surgery. Your problems usually did not respond to conservative corrections. 

Rhinoplasty is considered medically needed and may be covered by your insurance due to the following issues: 

• Polyps
• Cleft lip
• Cleft palate
• Nasal fracture
• Structural abnormalities
• Deviated septum
• Misshapen cartilage 
• Chronic nasal or sinus inflammation

A nose job procedure can make you feel better about your looks. To get the best treatment you need, consider dependable insurance coverage for your rhinoplasty.

Do Health Insurance Companies Cover Cosmetic Rhinoplasty Procedures?  
Health insurance companies may not cover cosmetic rhinoplasty procedures. They consider these elective surgical procedures. Most insurers may reimburse the rhinoplasty surgery cost of a patient if:

• It improves or corrects breathing 
• Due to structural damage to the nose
• Caused by deformity 

Conclusion 
All insurance companies adhere to their parameters and medical criteria. They do this to help them determine the medical coverage of a patient for surgery. If a patient needs to learn the rhinoplasty procedure, consulting a professional plastic surgeon can help.

At Arnold, Bruce & Doerfler Insurance, we do our best to ensure that our clients are well-protected with affordable and comprehensive policies. We will go the extra mile to help you with your needs. To learn and understand more about how we can help you, please contact our agency at (503) 222-1951 or Click Here to request a free quote. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!