1. 5527 POINTS
    Marlin McKelvy
    President, Consumer Directed Benefit Solutions, Memphis, Tennessee
    Rhinoplasty, or a "nose job" as most people know it, is standardly classified as a cosmetic procedure.  Just because you want to look more like Paris Hilton or Brad Pitt is not a medical problem (it may be a sign you have some other problem but not a medical one).  Cosmetic surgical procedures are rarely covered by health insurance plans and when they are it is generally for a reconstructive purpose after a illness or injury.

    Patients who go to their doctor and present themselves with a serious breathing problem associated with their nasal cavities and who get a determination of medical necessity may get approval from their health insurance carrier for surgery to correct the breathing problem. And, as a side effect of this surgical procedure they may get what amounts to a nose job.  People and some physicians do game the system with this approach and you should anticipate having to clear a pretty high bar for your health insurance carrier to approve this procedure.
    Answered on July 3, 2014
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