Is Rhinoplastry Covered By Insurance? Find Out!


While plastic surgery tends to be one of the more expensive forms of self-improvement, it doesn’t necessarily have to break the bank if you use your insurance coverage wisely.

If you decide to get rhinoplasty, also known as a nose job, be sure to ask your insurance provider if they cover the procedure and what amount they will pay towards it.

How does insurance work?

Is Rhinoplastry Covered By Insurance? Find Out!
photo credit: pixabay


When you’re insured, you get money from your insurer (through an insurance company) to pay for health care costs.

The two main types of insurance are managed care plans (often referred to as health maintenance organizations or HMOs) and fee-for-service plans (where you pay your provider directly).

There are lots of acronyms involved in insurance—the list below is just a sampling: PPO: Preferred Provider Organization; POS: Point-of-Service; HMO: Health Maintenance Organization; EPO: Exclusive Provider Organization; HDHP/HSA/HDHP: High Deductible Health Plan with a Health Savings Account; and FSA/HRA/FSA: Flexible Spending Account or Health Reimbursement Arrangement.

In general, insurance companies cover things like doctors’ visits, tests and procedures, hospital stays, lab work and medications. Some even cover long-term care services like hospice or nursing home stays.

However, there are exceptions to everything – so it’s important that you check with your specific plan about what will be covered by your policy before undergoing rhinoplasty surgery.

You can contact your human resources department at work if you’re not sure how to find out

Why Does Rhinoplasty Fall Under Insurance Coverage?


Understanding why insurance covers rhinoplasty can help demystify why you might need to pay for some parts of your surgery and get coverage for others.

Your insurance may cover rhinoplasty because it is medically necessary, or they may offer you a percentage of it based on a physician’s recommendation. For example, if you have a deviated septum which is affecting your breathing ability and causing discomfort, then your plan will likely cover up to 90% of that surgery.

If it’s strictly aesthetic (or non-medical) then there’s a chance that it won’t be covered under your current plan.

This could change in future years as more people seek out cosmetic procedures but currently many plans do not include plastic surgery as part of their basic coverage. This means that you will probably have to pay out-of-pocket for any nose job costs not covered by your insurer.

If you don’t want to pay these costs yourself, shop around with other companies until you find one with a better deal. When comparing plans make sure that all services are included in your price so there are no surprises down the road when it comes time to file claims and receive reimbursements from your provider.

You Can Also Read: How Much Does Guanfacine Cost Without Insurance?

Why Do Some People Pay For Rhinoplasty Out Of Pocket?


If you’re not sure why someone would pay for rhinoplasty out of pocket, consider these reasons: 1) they have cosmetic surgery coverage and/or a high deductible 2) they don’t want to deal with an insurance company.

No matter what their reasoning, finding out whether or not rhinoplasty is covered by your insurance will help you determine if it makes sense to use your policy or pay out of pocket.

Plus, knowing that it is will give you more confidence in choosing a surgeon (the bottom line: having a good surgeon matters more than having good insurance).

To help make sense of things, we’ve put together some frequently asked questions about whether or not rhinoplasty is covered by insurance. #1 – Is Rhinoplasty Covered By Insurance? Yes…and no.

Here’s how it works: Medicare covers medically necessary procedures performed on an outpatient basis as long as certain criteria are met (and all applicable deductibles are paid). This means that Medicare will cover up to 80% of approved services.

Here Are The Steps In Getting Rhinoplasty Done Via Insurance?


You should begin by seeing your primary care physician or an otolaryngologist. In order to determine if rhinoplasty is needed, your doctor will perform a physical examination and discuss with you how rhinoplasty can improve your breathing and reduce pain in some cases.

You may also be asked to complete a questionnaire that will help you and your doctor determine whether you’re a good candidate for surgery.

After reviewing your questionnaire, you will most likely be referred to a plastic surgeon, who will discuss with you how much rhinoplasty could cost and what could result from surgery.

If you decide to move forward with rhinoplasty, your insurance company will need proof of why it is medically necessary. If approved by your insurance company, they will reimburse you for part or all of the procedure costs.

How Much Does Rhinoplasty Cost?: The average cost of rhinoplasty ranges between $3,000 and $8,000 per side (depending on where you live).

Costs can vary widely depending on how many procedures are required (if any), if there are complications during or after surgery, and if additional procedures such as chin augmentation or jaw contouring are performed at the same time as nose reshaping.

You Can Also Read: Do Insurance Companies Check EDR? -A quick answer

How much will my insurance cover after all payments have been made (deductibles, co-pays, etc.)?


It varies. Some insurance companies offer out-of-pocket maximums (including coinsurance and deductibles) on various types of plastic surgery procedures, but not all procedures are created equal.

For example, breast implants (the most common cosmetic procedure performed in the U.S.) often carry a $5,000 to $10,000 deductible and coinsurance rate of 20% for major medical coverage plans.

However, nose jobs usually carry a small deductible and coinsurance rate of 5% – 10%. That means that patients would pay around $500 to $1,000 for rhinoplasty out-of-pocket after their insurance has paid its part.

You Can Also Read: How to Get Rhinoplasty Covered by Insurance

FAQ’s On Is Rhinoplastry Covered By Insurance?

Cigna Rhinoplasty Coverage?


If you are concerned about rhinoplasty, your first step should be to contact your insurance company. Each company has its own coverage policies, which may or may not include rhinoplasty as an option.

If you have serious concerns about whether or not you will be covered for surgery, it’s best to call and find out for sure than it is to assume that you will receive insurance-funded help.

Is Rhinoplasty Covered By Insurance For Deviated Septum?


While it’s probably not covered by insurance, if your doctor recommends rhinoplasty for a deviated septum or nasal obstruction, then you might want to consider getting rhinoplasty with your regular yearly checkup.

But you may be surprised to find out that most plans don’t cover elective plastic surgery like liposuction and botox.

Don't miss any update.

Enter your email to receive the exact Insurance tips i practice!