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-   -   Why does insurance jip us on functional rhinoplasty? (

gogogadget 01-31-2008 06:27 PM

Why does insurance jip us on functional rhinoplasty?
I really don't understand this. My husband has a very severely deviated septum but his insurance only offers to pay $1400 towards it. In my area you can't find a qualified surgeon for anywhere near that price! Does anyone else feel we're really getting jipped by HMO's when it comes to functional plastic surgery? Probably because too many abuse the system and call their cosmetic surgery functional, but then it ruins it for all of us who truly have a severe medical condition that only can be corrected with surgery. The insurance company told his ENT to tell him to "take nose sprays" for 12 months before they'll consider paying to fix the deviated septum. How on earth is a nasal spray supposed to fix broken cartilage? They're just being scumbags and trying to get out of paying it. It really erks me because he doesn't care a thing about aesthetics he has horrible allergies and asthma which only makes it worse.

versace 02-01-2008 03:25 PM

Sorry to hear about your husband. Yes I agree it's unfortunate insurance doesn't pick up most of the tab when it comes to these things. The thing is rhinoplasty unlike say most other procedures, actually does need to be done by a highly skilled doctor. Less than 10% of plastic surgeon in my opinion should even be doing it, so of course the ones that are good are expensive. In the end, we end up footing the bill.

desperatehousewife 02-01-2008 10:41 PM

That's too bad gogogadget. They do it for the same reason they deny paying for emergency room bills, organ transplants and everything else. All they care about is money, they couldn't care less about our health, or lack thereof.

bbb 02-02-2008 07:35 PM

watch the quality drop as soon as that happens!

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