How to Get Rhinoplasty Covered by Insurance: A Step-by-Step Guide
A nose job, or rhinoplasty, is one of the most commonly requested cosmetic surgeries in the United States, with hundreds of thousands of procedures performed every year.
If you’re considering rhinoplasty, chances are good that you want to know if it’s covered by your insurance plan before scheduling an appointment with a surgeon and undergoing the procedure.
Read on to learn how to get rhinoplasty covered by insurance, including information on how to research which doctors properly take your insurance and how to get prior authorization from your insurance company if you need it.
Here is a break down of what we will be covering today.
Find a board certified surgeon
Finding a surgeon who is board certified in plastic surgery will likely make it easier for you to get rhinoplasty covered by insurance.
These doctors have undergone additional certification, continuing education and more stringent monitoring than general surgeons.
Be sure to inquire about their experience with similar cases—you want someone who specializes in cosmetic procedures and can provide before-and-after photos of actual patients whose results you admire.
You also want a doctor who works with your insurance company or has his practice that can handle all negotiations; doing so could make all the difference in getting your surgery approved quickly.
Learn what your insurance will cover
One of the first steps in getting rhinoplasty covered by insurance is figuring out what, exactly, your insurance will cover.
While some plans may cover a large portion of your bill, you should always check to make sure you’re not paying more than you have to for your procedure.
But how do you know what kind of coverage is available? Thankfully, if you have a PPO (preferred provider organization) plan, it’s pretty simple.
Inform your surgeon about your insurance coverage
Most procedures require a consultation appointment before you can get started, and that’s when you should bring up your insurance.
Most surgeons will work with most types of insurance, but having that conversation early on is a good idea—it may save you time and money eventually.
But don’t be afraid to ask for something specific; for example, if one surgeon offers financing and another doesn’t, find out which plan would work best for you.
After all, getting what you want—whether it’s a payment plan or an upgraded office procedure—is more likely if you simply come right out and ask for it.
Know the different types of procedures and their costs
There are two types of rhinoplasty procedures, each varying in cost and duration.
Open rhinoplasty is best for people with a broken nose or one that’s badly deviated, while closed rhinoplasty is appropriate for those whose bone structure can’t support an open procedure.
People who want only cosmetic changes from their surgery should get closed rhinoplasty; it’s cheaper than open and takes less time to recover from, about two weeks instead of three.
You’ll also heal faster if you choose closed, since you don’t have to worry about your doctor repairing your nose on top of fixing any damage beneath it.
However, if you’ve got a lot of nasal trauma or nasal collapse (where your nasal cartilage collapses into itself), open rhinoplasty might be right for you.
It offers more stability in terms of maintaining shape over time and improving breathing problems like chronic congestion.
Discuss financing options with your surgeon
Getting rhinoplasty covered by insurance is easier than you might think, especially if your procedure falls into one of three categories: corrective, reconstructive or cosmetic.
Corrective rhinoplasty involves correcting a deformity or defect in your nose caused by injury or congenital issues.
Reconstructive rhinoplasty works like corrective surgery, but corrects trauma-related injuries on your nose caused due to accidents.
Cosmetic rhinoplasty is most often used on patients whose noses don’t fit their face or idealized notions of beauty.
For example, a patient may be extremely self-conscious about his or her wide nose and wants it corrected, so they feel more attractive.
The amount your surgeon can discount depends on several factors, including whether he or she is in-network with your health plan and what type of facility you want to use for surgery.
For instance, outpatient facilities typically offer lower rates than hospitals because surgeons aren’t responsible for any complications that occur after discharge.
Your best bet for getting rhinoplasty coverage from an insurer is to find a board certified plastic surgeon who offers financing options through CareCredit (or another third-party provider).
Your surgeon will work with a representative from CareCredit to determine how much you can finance based on factors such as credit score and income level.
Understand each stage of the procedure, from evaluation to healing
The first stage of rhinoplasty is evaluation, which generally includes a history and physical exam.
Here, your doctor will examine your nose for any signs of pre-existing health conditions or injury that could complicate surgery.
The second stage is planning and involves developing a treatment plan with you—the patient—to determine what goals you’d like to achieve.
This typically involves sketches or computer imaging, so you can see what changes are possible and learn about options for altering your nose’s shape, size, or appearance.
Your doctor may also perform a diagnostic rhinoplasty, during which he alters your nose through a series of small incisions to analyze whether surgery would be appropriate.
Know what to expect before, during, and after surgery
It’s important to know what you’re getting into before you get into it. There are many things that can go wrong with rhinoplasty, and no two cases are alike.
You should also read up on different procedures to determine which one is right for you, and find out how much it might cost if your insurance company doesn’t cover it.
It’s also helpful to have a surgeon who does free consultations so that you can do a dry run of asking questions and going over procedures.
FAQs On How to Get Rhinoplasty Covered by Insurance
Is rhinoplasty covered by insurance for deviated septum?
If you’re considering getting rhinoplasty but don’t have insurance, it can be difficult to know what your options are.
If you have a deviated septum or bump on your nose that is causing breathing issues, your insurance company may cover rhinoplasty under its benefits for corrective surgery.
When searching for affordable doctors in your area, look for those who offer financing through CareCredit.
This allows you to pay out-of-pocket while making a lump sum payment at a later date.
How much does a nose job cost with insurance?
There’s no simple way to calculate your rhinoplasty coverage. It all depends on your individual insurance policy and provider, as well as what you’re getting done and where you live.
However, in most cases, if you have a separate health plan covering elective plastic surgery, it will be cheaper than paying out of pocket.
The first step is to find out whether your insurance covers any cosmetic procedures at all! If so, ask about their specific policy for rhinoplasty.
How to qualify for rhinoplasty
One of your first steps should be to find out whether you qualify for a nose job.
If you do, there are two main factors that will affect your pricing and what your procedure may look like—your surgeon’s background and your nose job goals.
Ultimately, most insurance companies will base their reimbursement on which surgeons are in-network, so research is key here.
How to get a free nose job with a deviated septum
Deviated septum procedures can be expensive. Instead of paying upwards of $10,000 for a nose job, follow these steps to get your procedure covered.
First, you’ll need to see an ENT (ear, nose, and throat) doctor. This is usually done through your primary care physician or another specialist, who will refer you to an ENT doctor if needed.
Your first appointment will include a complete medical history review and examination of your nasal passages and sinuses; in some cases, you may also undergo imaging tests such as CT scans or MRI scans.
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