Summary: There are several corrective procedures that are covered by insurance. If you are about to undergo nasal surgery, you may be surprised at all the procedures that have got you covered!
Knowledge Is the Place to Start
Depending on the type of health insurance you have, it’s very possible that your nasal surgery may be covered. The first step in figuring out your options is to understand what kind of insurance you have. HMO’s vs. PPO’s will have different policies when it comes to paying for your surgery. Often times with health maintenance organizations you will need to be referred to a cosmetic or corrective surgeon in order to have your insurance foot the bill. With a preferred provider plan, however, many surgeons of this nature are considered in your “network” and are able to perform your procedure as a part of your insurance policy. Before you make any decisions whatsoever, it is critical you understand your insurance coverage to avoid being stuck with a monumental bill.
The Good News
There is a silver lining to health insurance and that is that nasal issues with adverse complications or those that cannot be cured with medication are often times covered by medical insurance. There are several procedures and conditions that fall under this category:
- Repairing a Broken Nose: If you recently fractured your nose due to an injury, most medical insurance providers will cover your corrective surgery. Because a broken nose can impair your breathing and health, insurance covers corrective surgeries to fix your fracture.
- Deviated Septum Surgery: Deviated septum’s are often times corrected with a surgery known as septoplasty. While a traditional septoplasty will NOT change the outward appearance of the nose, it will fix its inner workings- making it easier to breathe and sleep.
- Enlarged Turbinate Reduction: Turbinate’s run parallel to the septum and help your nose humidify the air you breathe in. If your turbinate’s are enlarged and begin to block your airways, often times topical creams or sprays are first introduced in order to combat these breathing problems. If these methods do not work and surgery is required, insurance will cover your turbinate reduction.
- Nasal Valve Stenosis Surgery: If the internal or external valves of your nose are narrowed to the point where you have difficulty breathing, insurance will cover the surgery needed to open up your airways and make it possible for you to live a normal, healthy life.
What Isn’t Covered
Even more important than knowing what IS covered by insurance is knowing what is NOT. Any procedure performed on the nose for cosmetic purposes will not be covered by insurance. Many patients like to add on rhinoplasty to the above mentioned procedures while they’re already under the knife. It is critical you understand that this portion of your surgery will not be covered.
Taking the Next Step
If you are undergoing any of the procedures that should be covered by medical insurance, it is important to hash out these details BEFORE you undergo your surgery. Discussing everything with your doctor AND your insurance provider beforehand is the only way to avoid a gigantic bill after you awake. Chances are if your procedure is corrective though you will be covered, so rest assured that after your surgery you will be breathing easy for more reasons than one!
To learn more about rhinoplasty and insurance we suggest contacting Chicago Rhinoplasty Surgeon – Dr. Steven Dayan from SDMD.