Can Insurance Cover a Nose Job – Top Companies that Offer Insurance for Nose Jobs

Can insurance cover a nose job? In plastic surgery, the subject of insurance coverage for nose jobs is frequently asked. In actuality, many cosmetic procedures are not compensated by insurance.  Nonetheless, there are specific situations where plastic surgery is considered medically required and will be paid for by insurance. Insurance companies’ decision to pay for a nose operation is based on whether a patient has a medical or cosmetic motive.

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It is one of the top five most common cosmetic surgeries performed in the United States, with over 220,000 individuals undergoing the process annually; nonetheless, the procedure is not free.

Can Insurance Cover a Nose Job

What is a Nose Job?

A nose job, also known as a rhinoplasty, is a surgical technique for reshaping the nose. It is composed of two primary parts. The cosmetic aspect comes first: altering the nose to fit your unique objectives.

The functional component of a rhinoplasty is the second half of the procedure. This includes clearing the airway and facilitating natural, efficient breathing through the nose.

How Much is a Nose Job Without Insurance?

The surgeon’s experience, the intricacy of the operation, the patient’s location, and the facilities utilized can all significantly impact the cost of rhinoplasty. The average price may be $5,000, $15,000, or higher.

A rhinoplasty in Tennessee will run you anywhere from $2000 to $8000. The process will be less expensive, the less intrusive it is. Functional nose jobs, on the other hand, usually come at a higher price.

What are the Factors that Affect the Cost of a Nose Job?

The cost of a rhinoplasty depends on:

  • The surgeon’s experience.
  • The type of procedure.
  • Where you live.
  • The type of correction.
  • Surgical materials.

These are some of the factors that can determine the rate of this procedure.

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Top Companies that Offer Insurance for Nose Jobs

Leading insurance providers who might pay for rhinoplasty if it is deemed medically necessary include:

  • Aetna.
  • Blue Cross Blue Shield.
  • Cigna.
  • Humana.
  • Anthem.
  • UnitedHealthcare.
  • Kaiser Permanente.

To ascertain your choices for coverage for a nose job or other related treatments, you must examine your particular insurance policy and speak with your insurance provider immediately.

How to get a Nose Job Covered by Insurance

The procedures to file an insurance claim are as follows:

  • Discuss your options for coverage with health insurance. For this, there are specific guidelines. Please find out how much they cover for expenses before and after the procedure. Compared to assuming the coverage, this is a far safer alternative. Depending on a patient has chosen plan, each insurance company has specific requirements and limitations that must be followed to assess a patient’s medical coverage.
  • Verify whether the hospital accepts your insurance and whether you have chosen to receive care without payment.
  • The insurance departments of all prestigious hospitals can assist you with the paperwork.
  • On the day of the procedure, bring all your paperwork, including your insurance card, to the hospital.
  • Ensure all the bills have the correct numbers, seals, and signs before you leave the hospital.

Include the payment receipt if you have already paid for the treatment.

How to Obtain Insurance for a Nose Job

To obtain this insurance, take the following steps listed below:

  • Go to the official websites of the previously mentioned insurance providers, such as Blue Cross Blue Shield, Aetna, Humana, Cigna, etc.
  • The Blue Cross Blue Shield website can be accessed via https://www.bcbs.com/
  • Scroll down the page to locate their contact details.

For further information on how to implement this policy, call them.

Frequently Asked Questions

Below are some frequently asked questions.

Why Does Insurance Not Cover Nose Job?

When a patient seeks a nose job only for aesthetic reasons, insurance does not cover the procedure.

What Distinguishes a Medical Nose Job from a Cosmetic One?

The reason for the surgery distinguishes a medical nose job from a cosmetic one. You will have a cosmetic one if you want to improve your appearance, while you will need to get a medical nose job if your goal is to correct breathing issues caused by your nose or for other functional reasons.

Is Rhinoplasty Covered by Insurance?

When rhinoplasty is done for functional purposes, such as following a severe injury or an exterior abnormality that causes nasal obstruction, most insurance companies will pay for the procedure. Rhinoplasty performed just for cosmetic purposes is usually not covered since it is an elective operation.


It is most likely not a covered charge if the sole goal of your operation is to enhance your appearance. Conversely, the operation can be fully or partially reimbursed if it will address or enhance a valid medical problem.