Does Health Insurance Cover Deviated Septum Surgery?

Most people at some point experience breathing obstructions, which is common. However, if such a problem begins disrupting your daily routine and sleeping pattern, you must consult a doctor. One of the reasons behind nasal deformity and breathing disruptions can be the deviated septum. The bone and cartilage that divide both the holes of your nose are known as septum.

You may wonder about many aspects of the surgery, like its procedure, cost, etc. You may also want to know about things like-How to get septoplasty covered by insurance? or Is deviated septum surgery covered by insurance? or How much does septoplasty cost with insurance?

The answers depend on a number of factors.  Since a deviated septum is a nasal deformity that may lead to serious health complications and interfere with healthy breathing, such a medically required reconstructive surgery is covered under the insurance policy.

Problems with Deviated Septum

Generally, the septum has to be in the middle of the nose, which regulates healthy breathing. Some people may experience a deviated septum where the septum loses its original shape and deviates to either side, causing blockage or breathing obstructions. A deviated septum can either occur from birth or due to an injury.

Septoplasty is a solution for people struggling with healthy breathing due to deviated septum. Before you focus on deviated surgery cost with insurance and is deviated septum surgery covered by insurance, let's go a little deeper.

A deviated septum not only changes the conventional appearance of the nose but also causes health problems. Usually, a deviated septum ends up causing breathing problems and nasal defects. The functioning of both nasal holes can be optimal when the hole space is enough for healthy breathing. When the septum extends to one or both the holes, the hole space gets confined and breathing becomes quite hard.

It is best to never delay a health complication and address it immediately. For a problematic deviated septum, your doctor may recommend nasal surgery. Depending on the requirement, oral medication, rhinoplasty or septoplasty may be recommended. Since surgery can be expensive, one essential question that arises here is if there is deviated septum surgery insurance. Read on to clear your queries on septoplasty and rhinoplasty insurance coverage.

What is Septoplasty?

Before discussing does insurance cover rhinoplasty deviated septum it is essential to understand septoplasty first. A septoplasty is primarily a nasal surgery that targets the functional abnormalities due to a crooked or deviated septum. Usually, septoplasty is considered a medically required treatment to fix the nasal functions and improve the overall health of the patient.

Septoplasty is a minor surgery usually done within a day or two. It may take up to a week for you to return to your usual daily routine. Septoplasty addresses problems like chronic sinusitis, nasal polyps, recurrent nosebleeds, or nasal airway interference. Now the question arises is does insurance cover septoplasty?

Does Insurance Cover Deviated Septum Surgery?

As medical expenses are skyrocketing, surgeries can be financially tough to deal with. However, with medical insurance coverage for surgeries, you do not have to worry about your finances. The deviated septum surgery cost with insurance can become very affordable. Care Health Insurance comes to your rescue with its financial cushion that allows you to receive the best cashless medical treatments without any hassle.

With Care Health Insurance, 541+ daycare procedures are covered. One of these is septoplasty. Daycare procedure refers to a surgery or medical treatment that doesn't need the patient to be hospitalised for over 24 hours. Common examples are cataract surgery, chemotherapy, laparoscopic surgeries, etc.

To know more about how much does septoplasty cost with insurance or will insurance cover rhinoplasty if have deviated septum, you must talk to our insurance experts for policy details and other related clauses.

Understanding Rhinoplasty

Nasal surgeries can broadly be of two types: septoplasty and rhinoplasty. Usually, rhinoplasty is considered a cosmetic plastic surgery aimed at altering the physical appearance of the nose. This is why it is also commonly referred to as a nose job.

However, it would be a major mistake to assume rhinoplasty as a mere cosmetic surgery. Rhinoplasty can also be recommended for patients with breathing problems due to congenital nasal deformity, deviated septum, or for reconstruction of the nose due to injury, burn, trauma, etc. Rhinoplasty can address both internal functional abnormalities and the external appearance of the nose. Since this article focuses on deviated septum, let's understand: will insurance cover rhinoplasty for deviated septum?

What is Not Covered in Nasal Surgery Insurance?

Along with understanding does insurance covers rhinoplasty for the deviated septum, you need to know what expenses will be covered and what will not be covered. Care Health Insurance understands the rising medical costs and the need for a more comprehensive health plan. Hence, surgeries related to nasal function abnormalities are covered under the insurance. However, it is also essential to understand what is not covered under nasal surgery insurance.

Any nasal surgery which is not medically required remains uncovered under the best health insurance policy. The purpose of health insurance is to help the insured tackle the inevitable medical expenses. Since treatments like rhinoplasty (targeting nasal shape and appearance for physical aesthetics) are not medically required, they are not covered under the policy. Only the reconstructive surgeries done to restore the original shape of the nose or to fix the nasal abnormalities are covered.

Differences Between Rhinoplasty and Septoplasty

When wanting to know does insurance cover nose job for deviated septum, it is better to have clarity about the types of surgeries. Have a quick look at the various differences between rhinoplasty and septoplasty in the table given below:

Things to Know About Nasal Surgery

Now that you know what insurance covers septoplasty, let's know more about nasal jobs. Be it a medically required septoplasty or a self-chosen rhinoplasty for a nose job, there are a few things you must know about the surgery:

1. Risks

Nasal jobs have risks like any other surgery. Although it is a low-risk surgery, some people may experience post-surgery complications like nasal pain, bleeding, nasal numbness, scarring or breathing problems for some time. Your doctor can best suggest the matter.

2. Anesthesia

The surgery is performed under anaesthesia. Usually, local anaesthesia is given to the patient, but depending on the severity of the procedure, some patients may also be given general anaesthesia. The anaesthesia may have side effects in some cases.

3. Recovery Time

Septoplasty is usually a daycare procedure. After you come back home, it may take up to one week for your nose to heal.

4. Post-Surgery Care

The post-surgery care will be advised by your doctor in detail. Make sure to follow the guidelines for the best results, quick recovery, and to avoid unnecessary side effects. You may have to avoid water on the nose if the nostrils have splints until they are removed.

5. Medications

You may be recommended a few medicines for pain control and low-grade fever. Antibiotics are also usually recommended.

Let’s Wrap it Up

Nasal surgeries are common owing to the rising cases of breathing problems, nasal polyps, and sinusitis due to soaring pollution. If you have nasal complications, do not delay but get early treatment to avoid further serious health issues. With daycare procedures covered by Care Advantage Health Insurance, you have a deviated septum covered by insurance. It becomes easier to seek quality medical services with deviated septum insurance. So, do not ignore health issues and consider staying fit with Care Health Insurance.

Disclaimer: All plan features, benefits, coverage, and claims underwriting are subject to policy terms and conditions. Kindly refer to the brochure, sales prospectus, and policy documents carefully.