Comments on: Under What Circumstances Will Insurance Cover Part Or All Of A Rhinoplasty?

By: mbrcatz

mbrcatz — Sat, 20 Feb 2010 13:10:01 +0000

IF you have to have your nose removed or partially removed due to cancer of some type, then the insurance will pay for RECONSTRUCTIVE SURGERY.

By: Christie

Christie — Sat, 20 Feb 2010 08:08:48 +0000

No one here can accurately answer your question, because it will all be decided by your insurance company.
If there is medical necessity for a procedure, your insurance will cover it. Obviously you understand that the plan does not cover anything that is deemed cosmetic or not medically necessary.
You need to ask your surgeon to file a pre-determination with your insurance company. That way, you’ll find out exactly what – if anything – your plan will pay.

By: dbrcymry

dbrcymry — Sat, 20 Feb 2010 03:02:54 +0000

The insurance will cover reconstructive surgery if it appears that your trouble breathing is due to an injury. You would need to see a plastic surgeon for a consultation and then he would file with the insurance company. My daughter slipped and fell in a tiled shower in her college dorm and smashed her nose to bits. She was taken to the ER so it was a documented accident. The surgeon had to pick pieces of bone out of her sinuses. She would have had trouble breathing for the rest of her life without the surgery. At the same time, he made some cosmetic changes to her nose, such as narrowing the bridge & tip of her nose. Most plastic surgeons will do the cosmetic work at the same time they are doing the surgery. Our insurance covered everything and it was around $15,000 beyond deductible 2 years ago. She spent the 23 hours in the hospital following the surgery as she had to have oxygen so it still counted as “out patient”. First thing, go see a plastic surgeon and get a consultation.