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Is there any way insurance can pay for rhinoplasty?

I used to be a swimmer when I was younger and one time I dove in and didn't realize how shallow it was and hit my face against the bottom of the pool. My nose didn't break (I don't think.. It hurt like hell but I was young and refused to see a doctor) but my nose is slightly crooked now and a doctor said cartilage shifted so I have more at the tip of my nose then I used to. I am just very unhappy with it and I am usually against plastic surgery but I just want it back to the way it was. I do have a deviated septum now and I know my insurance covers that.. but is there any way it covers fixing my nose as well.. Like- can I use the insurance to cover the deviated septum.. doctor fees--- anesthesiology-- etc and just pay to fix the cartilage out of pocket? Any advice would be great. Also, I don't need to hear anything like 'just live with it' because I am and if there is nothing I can do then there is nothing I can do... but If there is anyway I can get it then I would love to. I also have AWFUL credit (lost my job a couple years ago and was in the hospital so got WAY behind on bills... I'm alright now but my credit is still terrible so getting a loan isn't an option

Public Comments

1. I'd go out on a limb to say that insurance won't cover anything that can be construed as cosmetic. The only way I could see it happening is if you convinced tham that the crooked nose was somehow affecting your day-to-day life (and not just that you're embarrased to go outside)... or if it affected your ability to work.
2. Unlikely unless you can prove medical necessity.
3. ~~It has to be medically necessary. Go see a doctor within your insurance network. Tell him your whole story. If he writes it up and includes the work in the report to the insurance company as all medically necessary then it will be covered. It is really up to the doctor and the billing codes he uses. It never hurts to ask to figure out a way!~~
4. The insurance will pay to repair the deviated septum b/c it affects your ability to breath. The only way the cartilage at the end of your nose would be covered is if it affects your breathing somehow. Your dr may be willing to do the cartilage repair while you are under for the deviated septum. It's worth asking about. When an ENT repairs a deviated septum, they go in through your nostril. There is no cutting or stitches on the external part of your nose. It does not change the appearance of your nose but your breathing will be greatly improved. At least mine was.