Medically reviewed by Dr. Hootan Zandifar, MD, FACS — double board-certified facial plastic surgeon, Beverly Hills & Santa Monica · 2026-10-16
Quick answer: Septoplasty is often covered by insurance when it’s medically necessary — i.e., a deviated septum causes documented breathing problems, recurrent sinus issues, or related symptoms. Purely cosmetic nasal changes are not covered. If septoplasty is combined with cosmetic rhinoplasty, insurance typically covers only the functional (breathing) portion.
When it’s covered
Insurance generally covers septoplasty when a deviated septum causes documented functional problems — difficulty breathing, chronic congestion, recurrent sinus infections — that haven’t resolved with conservative care. Documentation and sometimes imaging support the claim.
When it’s not
If the goal is purely to change the nose’s appearance, that’s cosmetic and not covered. The distinction is function vs. aesthetics.
Combined septoplasty + rhinoplasty
When breathing surgery and cosmetic reshaping are done together (septorhinoplasty), insurance typically covers only the functional portion; the cosmetic part is out of pocket. This is planned transparently in advance.
How to find out
Coverage depends on your plan and documentation. Our team helps determine the functional indication; your insurer confirms specifics.
Key points
- Covered when medically necessary (breathing problems)
- Not covered for purely cosmetic changes
- Combined cases: only the functional part is covered
- Documentation/imaging supports the claim
Frequently asked questions
Is septoplasty covered by insurance?
Often yes, when a deviated septum causes documented breathing problems; cosmetic changes are not covered.
What if I want breathing and appearance fixed together?
Insurance typically covers only the functional portion; the cosmetic part is out of pocket.
What do I need to qualify?
Documented symptoms and sometimes imaging; your plan’s rules apply.
How do I start?
A consultation evaluates the functional indication.
Related on this site: Nasal & rhinoplasty surgery · septum surgery & nose shape.
Talk to a specialist in Beverly Hills
To find out whether your breathing issue qualifies for septoplasty, Dr. Zandifar sees patients in Beverly Hills and Santa Monica and reviews your anatomy in person before recommending anything. Request a consultation.
Dr. Hootan Zandifar, MD, FACS, is a double board-certified facial plastic surgeon and otolaryngologist in Beverly Hills and Santa Monica. Educational information only, not medical advice.
