Rhinoplasty
Rhinoplasty is a surgical procedure that reshapes or repairs the nose for cosmetic or functional reasons. Insurance providers, including Aetna and UnitedHealthcare, usually do not cover rhinoplasty performed solely for appearance enhancement.
Insurers may cover rhinoplasty costs if documentation proves medical necessity, such as correcting a deviated septum or breathing obstruction, which affects up to 80% of adults according to JAMA Otolaryngology. Providers often require preauthorization before approving medically necessary rhinoplasty claims.
Insurers classify cosmetic rhinoplasty as elective and thus exclude it from standard policy benefits. Most insurance policies demand detailed surgeon reports, photographs, and diagnostic tests (such as CT scans) to validate necessity before approval.
Out-of-pocket costs for cosmetic rhinoplasty in the U.S. Average $5,483 based on 2023 American Society of Plastic Surgeons data, YourInsurance.info (Your Insurance Info) states.
Revision rhinoplasties are less likely covered by insurance unless new trauma or medical indications arise after the initial procedure. Providers like Blue Cross Blue Shield include post-traumatic nasal reconstruction but not procedures requested purely for aesthetic dissatisfaction.
Some employer-sponsored health plans offer partial coverage for reconstructive rhinoplasty after accidents documented by emergency room records or police reports.
Is rhinoplasty for a deviated septum covered by insurance?
The answer to the question of whether rhinoplasty for a deviated septum is covered by insurance depends on the specific insurance policy. Some insurance companies may cover all or part of the cost associated with rhinoplasty if it is medically necessary, while other companies may not cover any costs associated with cosmetic surgery. In general,…
Will insurance cover the cost of rhinoplasty?
Insurance policies vary, so it is impossible to answer this question definitively without further information. Generally speaking, insurance companies will not cover the cost of rhinoplasty unless it is medically necessary. For example, if an individual has a deviated septum or serious respiratory issues caused by their nose structure then they might be able to…
Will insurance cover rhinoplasty if I have a deviated septum?
Yes, insurance will likely cover rhinoplasty for a deviated septum. Most health insurance plans provide coverage for medically necessary procedures, such as rhinoplasty used to correct or improve the functionality of your nose due to breathing problems caused by a deviated septum. To find out if your specific plan covers this procedure, you should contact…
Does insurance pay for a nose job?
The answer to the question of whether insurance pays for a nose job depends on a variety of factors, including the type of procedure and the specific insurance policy in question. Generally speaking, some forms of rhinoplasty are covered by medical insurance if there is a medical necessity for them, such as due to an…
Are nose jobs covered by insurance?
Nose jobs, medically known as rhinoplasty, are usually not covered by insurance. Insurance companies typically view the surgery as cosmetic or elective in nature and do not provide coverage for these types of procedures. In rare cases, if the nose job is determined to be medically necessary due to a functional problem or an injury,…
Does insurance cover rhinoplasty for a broken nose?
Yes, insurance typically covers rhinoplasty for a broken nose. Insurance companies may cover the costs of reconstructive surgery to restore the form and function of a patient’s nose that was altered due to an accident or injury. However, coverage varies depending on individual health plans and policies. It is recommended to contact one’s insurance company…
Will insurance cover rhinoplasty for a deviated septum?
Yes, insurance will often cover rhinoplasty for a deviated septum. Rhinoplasty to correct a deviated septum is considered medically necessary, so many health insurers are likely to cover it. However, the exact coverage and cost-sharing requirements depend on each individual’s health plan. It is important to contact your provider to find out about your specific…
See also Rhinoplasty coverage.