How to Get Insurance Cover for Rhinoplasty

Rhionoplasty, which is also known as a nose job is a kind of surgery executed to change the nose appearance. There are ample components that plays a vital role in proper nose shape and it is not compulsory that they are always perfect. Sometimes you need to alter them in some ways, such as width, length or tip of your nose. A proper nose shape can be easily achieved through Rhinoplasty. This surgery can change the nasal profile of an individual, reshape the tip of the nasal and can change the slant between the upper lips and the nose.

Insurance Cover and Rhinoplasty

Nose Job

Rhinoplasty is a cosmetic procedure and the insurance coverage of this surgery depends very much on the individual’s health and his health insurance policy. For nose job, there are many insurance companies that will analyze the process carefully to ensure that it is not a cosmetic surgery, but for breathing problems such as a deviated septum. However, if you are planning to add some  cosmetic refinement to the insurance coverage of the nose surgery, then you have to sustain some cost of the cosmetic part such as operating facility, fees of the surgeon and the anesthesia.

Steps to Get Insurance to Pay for Rhinoplasty Nose Job

To get insurance to pay for Rhinoplasty, there are a few steps one should carry out.

Step 1: Look for a surgeon who is well-versed in Rhinoplasty. If the appropriate surgeon finds out that you are suffering from a deviated septum or nasal obstruction, then ensure to visit an ENT specialist for attaining “independent evaluation.”

Step 2: Attain surgery from an ENT surgeon who agree that you are suffering from a deviated septum causing you nasal obstruction. Moreover, he can write a medical note phrasing that the patient is undergoing the nose job because of the health issues.

Step 3: Now you can hand over those reports to the surgeon and that surgeon will write a letter to the insurance company regarding the vitals required for medical procedures, however, the insurance company may reject the proposal and then the surgeon may require to carry out  peer-to-peer assessment.

When does the Insurance Company pay for Rhinoplasty?

Getting an insurance claim for Rhinoplasty is not as easy as it seems as you will not get the claim for cosmetic improvement. Though, the insurance company is not always kind to help you in getting the claim instantly. For that they will briefly analyze the surgery cause and that must be associated either with structural damage caused due to some injury or accident or to improve the breathing or so. The coverage extends depends the insurance plans and its terms and conditions. Moreover, if in case the nose surgery is suggested for correcting the defect of the birth like a cleft palate or a deviated septum, then also the health insurance plan can cover the costs.

Author: A.M.

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