How to get insurance to pay for rhinoplasty?
Most insurance plans specifically exclude rhinoplasty, however septoplasty may be covered. First, contact your insurance company and determine if the plan has the option of covering the procedure when medically necessary. If it is covered, ask for a copy of the coverage position, to determine what criteria need to be met to obtain approval for the procedure. Some companies put the criteria online. I know that CIGNA Healthcare and Some Blue Cross plans have their coverage positions posted on their websites. Go to the website and do a search for coverage position. Then find the coverage position for rhinoplasty. This will advise what information will be required to review for medical necessity. At that time, you will want to have your physician compile all of the information and submit for either an authorization (if your plan requires a pre-certification) or pre-determination, if no authorization is required. This will determine if you meet criteria when the procedure is covered.
