In general, insurance companies cover only reconstructive and functional surgery, not cosmetic surgery.
If you are truly have difficulty breathing through your nose, your insurance may cover the surgeon’s fee, hospital fee and anesthesia fee to improve the functional problems only. However, your insurance will not cover any part of the cosmetic rhinoplasty. You will be responsible for the cosmetic surgeon’s fee, hospital fee and anesthesia fee for all the cosmetic work in addition to what is billed to your insurance company for your functional surgery. As far as your insurance company is concerned, you are essentially having two operations, one functional and one cosmetic. They do not cover any of the costs associated with the cosmetic operation. Also, Dr. Bentkover will only bill your insurance company for functional surgery if you truly have a significant breathing problem.
Unless you have sustained a fairly recent and medically documented injury to your nose that has severely disfigured your nose, your insurance company usually is not concerned about the overall appearance of your nose. They might cover the straightening of your nose within a few weeks of the incident and surgery to improve your breathing, but usually not other changes.