Plastic Surgery
Paying for Your Rhinoplasty… Wondering how to pay for a Nose Job?
Mar 10, 2014 - 2:53:01 PM

( - Most cosmetic facial plastic surgery procedures are not covered by your health insurance. Paying for elective cosmetic procedures is not their business. However, when it comes to getting the nose job you're seeking, portions of it may be covered if they are medically necessary to correct a breathing problem or deformity.

Rhinoplasty is a plastic surgery procedure that alters the external appearance of the nose. Common complaints of rhinoplasty patients include a hump that they feel is unsightly, nostrils that are too wide, a droopy tip, and a number of other solely cosmetic issues. Not all patients' problems are restricted to a mere distaste for the way their nose looks, though. Severe deformities and injury can cause functional problems as well. Problems with function may occur with age or from an accident. A prior nose surgery may also be at the root. When functional rhinoplasty is performed, such as septoplasty, turbinate reduction, or nasal valve collapse repair, it may be combined with cosmetic rhinoplasty to achieve the best of both worlds.

Before heading off to your surgeon's office for a consultation, understand that there are several factors that will affect the cost of your nose job. Nose job prices in Chicago may vary greatly from those in Wichita, Kansas. This is because geography can play a big role in attracting the best plastic surgeons. Surgeons also determine rhinoplasty cost based on their experience. In 2012, the American Society of Plastic Surgeons listed the national surgeon's fee for nose reshaping at about $4,500, but this number can be more substantial in various areas of the country, reaching more towards the $10,000 mark. A higher price is often linked to a more complex case, especially when function is a priority.

Insurance Coverage

Nose surgery performed for the purpose of correcting nasal breathing or structural damage might be covered by your health insurance, including surgeon fees, surgical facility costs, and anesthesia. Any portion of the rhinoplasty that is designed to reshape the nose for aesthetic reasons will likely not be covered. This means that although you may combine cosmetic and functional rhinoplasty and only use the operating room, surgeon, and anesthesiologist during one span of time, they will have to bill you separately for the services and supplies used during the portion of the procedure conducted for the intent of aesthetically improving the nose.

Your out-of-pocket expense may be decreased if the functional component of your surgery naturally contributes to improving a part of your cosmetic concern. Some septorhinoplasty is incapable of being done without reshaping the nose. For example, a severely deviated septum could be causing problems with breathing, as well as making your nose appear crooked. Once straightened, a large part of your issues with the way your nose looks may have been solved along with the renewed ability to breathe easily through the nose again. It is also not unheard of for a discount to be offered for the cosmetic portion of the procedure if it is being booked in conjunction with functional surgery.

Getting pre-authorization from your insurance provider is recommended. This will help to avoid surprises and disappointment afterwards. Presenting the insurance company with the indications for the surgery ahead of time to see if they feel the rhinoplasty is medically necessary will help to clarify if you can expect to pay for your procedure out of pocket or not. You, of course, will still be responsible for any deductibles and co-pays your health plan requires.

Select a Board Certified facial plastic surgeon, preferably one with experience in both cosmetic and functional rhinoplasty. One who is certified by the American Board of Facial Plastic and Reconstructive Surgery, as well as the American Board of Otolaryngology - Head and Neck Surgery, will be able to achieve success in addressing your concerns about your nasal aesthetic and the nose's operation as an integral piece of the respiratory system. Also, his or her office will likely be able to help you arrange pre-authorization documents for your insurance provider.

Payment Options

If you surgery is purely cosmetic, or if you are concerned about paying for the portion of the procedure that is, you have many options. A lack of funds in your savings account does not need to determine whether you can afford the surgery or not.

Most surgeons require that you pay for your surgery before the actual day of the procedure. Some plastic surgery offices will be more than glad to work out a payment plan with you, with the understanding that that they do not have to perform the procedure if you do not pay the balance on time.

If a payment plan with your rhinoplasty physician is not an option, there are other ways to finance the procedure. One is to request money towards the procedure in lieu of birthday and other special occasion gifts, or you might consider borrowing money from a family member or friend. Many people feel the most comfortable with this option since there is not necessarily an interest rate attached to the loan and the payback date is flexible. Others avoid monetary deals with loved ones. The preference is entirely up to you.

For the latter group that avoids asking family for money, there are plenty of other options. Credit cards can offer an additional benefit because you can pay for surgery and build credit at the same time if you pay your balance on time. However, this can limit how much you have at your disposal for the things you normally pay for with credit, or if an emergency occurs in the meantime and you need cash fast. Several surgeons accept medical credit cards now, which are only able to be used on healthcare related expenses, including cosmetic surgery. You cannot overspend at the mall and they are versatile in their ability to pay for invasive and minimally invasive procedures, routine preventative care appointments, dental visits, and sometimes even veterinary costs for your pets.

Personal bank loans and home equity loans may be other financing choices you may consider. With these there are several benefits, such as the ability to access large sums of money and fixed interest rates, but patients should be cautious about taking more out than they can reasonably afford to pay back.

The Best in Chicago Rhinoplasty

Choosing a surgeon specializing in rhinoplasty and/or revision rhinoplasty is one of the most important choices you will make. Patients who are happy with the results feel the cost of their nose job was well worth it. On the other hand, if you are disappointed and require a secondary procedure to correct the first one, then it is sure to seem that you paid too much. Reduce the chance of this happening by obtaining the services of someone who will get it right the first time.

Chicago nose surgery specialist Dr. George T. Moynihan is Double Board Certified with extensive experience. His training included a one-year fellowship at the prestigious Rousso Facial Plastic Surgery Center in Alabama and he is a member of the American Academy of Facial Plastic and Reconstructive Surgery. Schedule a consultation with the facial plastic surgeon by calling 312-988-9300. You may also visit to learn more about his rhinoplasty philosophy and the other cosmetic procedures he performs.


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