How Much Does A Nose Job Cost With Insurance?

Plastic surgery is a standard procedure nowadays that many people undergo. It is regarded as cosmetic surgery, so in most cases, they are not covered by health insurance policies. However, there are many factors to go into the decision of whether or not your health insurance providers will offer coverage for your surgery.

Of all the different kinds of plastic surgeries you can undergo, rhinoplasty or a nose job, as it is more popularly known, is the more common procedure undertaken by many people.

One thing to note is that sometimes these surgeries are for aesthetic purposes, while sometimes it’s an indirect requirement following other health issues.

This is why the question of whether your health insurance policy providers will cover your nose job surgery greatly depends on the reason.

What Is A Nose Job?

A nose job or rhinoplasty is a popular cosmetic procedure many people undergo. In fact, according to a study conducted by Grand View Research, the rhinoplasty market in 2021 held a value of 5.1 billion US dollars. The projected growth for this industry is estimated to grow at a staggering 8.9% CAGR.

Rhinoplasty surgery is a procedure that changes or alters the shape and structure of the nose. Initially, rhinoplasty came about as a medical procedure to help people who have breathing problems.

Nowadays, it has become a common cosmetic surgery that has more to do with the appearance of the nose than having a medical basis.

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Rhinoplasty surgeries change the cartilage, bone, and nose skin of the person undergoing surgery.

How Much Does A Nose Job Cost Without Insurance?

According to a study by the American Society of Plastic Surgeons, the cost of getting a Rhinoplasty also known as a nose job is about $5483 on average. However, this number only represents the total amount of the surgery alone.

It does not include all the extra charges, such as the anesthesia, consultation, or using the operating room facilities. The charges for these will be billed separately.

The total cost of your rhinoplasty surgery depends on many factors, such as the type of surgery you are getting, how complex the procedure is, the experience and reputation of the surgeon, and the location of the clinic.

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Another thing to consider is the type of rhinoplasty you are getting. There are two types:

  • Surgical rhinoplasty
  • Nonsurgical rhinoplasty

Surgical rhinoplasty, the most common one discussed above, and nonsurgical rhinoplasty, which is not permanent but a cheaper alternative. The nonsurgical one, as the name suggests, does not involve permanently altering the shape and structure of the nose.

It uses dermal fillers that help the doctor mold the nose into the preferred shape. The average cost for a nonsurgical rhinoplasty is about $652 per treatment.

What Are The Factors That Affect The Total Cost Of A Nose Job?

Take a look at this table below to understand the different factors that play a role in determining the cost of a nose job:

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Factor Types
Rhinoplasty type Surgical rhinoplasty

Non-Surgical rhinoplasty

Surgeon qualifications Experience in the field

Type of training undergone

Any specialties

Consultation fees of the surgeon Depends on the clinic’s policies
Anesthesia fee Depends on the anesthesiologist:

· Experience of the professional

· Training undergone

Location of the clinic Different regions have different fees
Extra expenses Surgical room facilities

Follow-ups with the surgeon

Special equipment/treatment

 

How Much Does A Nose Job Cost With Insurance?

In most cases, rhinoplasty is considered a cosmetic surgery which is why it is typically not covered by health insurance policy providers. This is because the insurers don’t consider it as a necessary surgery that you need to undergo. Hence, there is no coverage for such surgeries.

However, there are a few conditions under which your insurer might cover your nose job surgery.

Examples are:

  • For health-related reconstructive purposes
  • For functional problems
  • For correcting defects caused by injuries
  • For corrections required due to diseases

In such cases, the insurer might offer a small coverage for your procedure. The amount that is covered by the policy can depend on your private providers. You will still have to pay a portion of the total amount, like the deductible, copay, or coinsurance.

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What Are The Insurance Policies That Cover A Nose Job?

Rhinoplasty is only seen as a mandatory medical surgery for specific conditions. The most common problem that deems a rhinoplasty necessary is when your nose obstructs your nasal pathway and causes difficulty in breathing.

There can be a lot of reasons why you are experiencing difficulty in breathing.

Here are some possible reasons:

  • Deviated septum
  • Polyps
  • Chronic nasal or sinus inflammation
  • Nasal fracture
  • Misshapen cartilage
  • Cleft palate
  • Structural abnormalities
  • Cleft lip

These are the cases where you can find a loophole to get cosmetic rhinoplasty covered by insurance. These kinds of procedures usually include a combination of both functional and cosmetic rhinoplasty.

Because functional surgery is already altering the shape and structure of the nose, the cosmetic surgery part also comes into play naturally.

Many people get cosmetic rhinoplasty as a result of functional rhinoplasty to correct the following:

  • Depressions in the nose bridge
  • Nasal asymmetry
  • Narrow nostrils
  • Deformed nasal tip
  • Wide nostrils
  • Visible humps in the nose bridge

When you combine both procedures, your medical insurance providers, if they cover these surgeries, will only cover the functional surgery portion and not the cosmetic one.

Conclusion:

The doctor consultation process is the most critical step when you go for a nose job. This will determine if you have a medical defect that needs to be corrected. Discuss your goals for the surgery in detail so that you get positive results from the procedure.

Your doctor can help you get your insurer to cover a portion of the cost of the rhinoplasty procedure. If your surgeon deems that you require medical rhinoplasty, you can start the process of sending a pre-authorization letter to the company to get an estimate of your coverage.

If you want, you can take a loan from Toledo Finance to help you get anything done without having to wait for insurance claims to come through.

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