Getting a Nose Job Covered by Insurance
If you’re considering getting a nose job or rhinoplasty, it is possible to have it covered by insurance. For some, a nose job is a purely cosmetic procedure. But for others, it can be medically necessary. If this is the case for you, here’s what you need to know about getting your insurance to cover nose jobs:
1. Determine if It’s Necessary
The most important step in getting a nose job covered by insurance is to determine if your case is medically necessary. If your doctor determines that a nose job is needed to correct a deformity, respiratory disorder, traumatic injury, or internal defect, your procedure is likely to be covered. In some cases, a doctor may also prescribe a nose job to correct breathing problems due to large septal deviations.
2. Find Out if Your Insurance Covers It
The next step is to find out if your health plan covers rhinoplasty by contacting your carrier directly. Speak with someone in the Member Services department to inquire about whether or not the procedure can be covered under your plan. Be sure to ask about any additional costs or pre-authorization requirements that you may need to adhere to in order to receive coverage.
3. Prepare Documentation
If insurance will cover your nose job, you will need to provide documentation to your provider that proves a medical need for the procedure. This could include patient records, a letter from your doctor or medical specialist, or diagnostic imaging.
4. Submit a Claim
Once you have all of the necessary paperwork in order, you can then submit a claim to your insurance provider. Include any relevant documentation with the claim to substantiate your request. Your insurance provider may also require you to submit additional paperwork in order to process your claim, so be sure to ask about any extra requirements they may have in place.
5. Follow Up
Once you have submitted your claim, you will need to follow up with your insurer to ensure that it is being processed. This can be done by calling the Member Services department or checking in online. You should receive a response from the insurance carrier within a few weeks.
It is possible to get a nose job covered by insurance if it is deemed medically necessary. Be sure to check with your insurance provider and prepare any necessary documentation in order to receive coverage. With a little bit of effort, you may be able to get the procedure you need and save money in the process.