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16 year old needs good health insurance that covers sinus/septoplasty surgery?
I am 16 years old and have been suffering from sinus infections, post nasal drip, and difficult breathing. My nasal bone is also a bit crooked. Can anybody here recommend me a good health insurance that will work best for my problems. I am pretty sure I will need to get a septoplasty due to a deviated septum. Assuming I need to get septoplasty and rhinoplasty surgery to fix my nose what about be best insurance to get. Like are their some insurances out their that might cover the rhinoplasty? because I know that most insurance companies considered straightening the nose cosmetic.
Public Comments
- You would probably be dealing with a "pre-existing condition," which might preclude the surgery being covered.
- you are probably SOL unless you live in the state of Washington or Maryland...these are the only states that do not have "pre-existing condition" rules to say the least. Why not try negotiating with the doctor, especially if it is NOT cosmetic or work out a payment plan. You may also want to get the book "Healthcare for Less" by Michelle Katz. She mentions some other ways to save money when dealing with healthcare costs. Try pricing around and seeing what the difference is in cost to have the procedure done at different hospitals, and be sure to read the chapter on reading you medical bill....you don't want to be charged for something you did not have or even an extra night in the hospital...and another thing she mentions is get the procedure done early in the week som you can get discharged earlier and not have to stay at the hospital over the weekend...another huge charge!!!!! You would be surprised at how many other ways you can save...the book helped me out plenty. You can get in at BArnes and Noble or even on amazon.
- Even if you get insurance that will cover rhinoplasty surgery, you would need to get the procedure okayed by a doctor working with the insurer. Are you sure it’s medically necessary for the procedure? As another answerer has mentioned, you might want to consult with a doctor (or two) that you trust and find out if you really need the surgery. Then you can find out what kind of insurance they work with; it might just be a matter of how they code the procedure. I’m not sure that there is insurance that is generally known for covering specific procedures; I think it’s more on a case-by-case basis. You might also want to talk with other people who have undergone septoplasty and/or rhinoplasty. After you get checked out by doctors and find out whether the surgery is needed and perhaps spoken with other people like you who are considering or who have had the surgery, you can check out MostChoice.com to compare health plans accepted by that doctor or medical facility. There’s no obligation, and you can also speak to insurance agents through the site who might have dealt with situations like yours before. But the important thing is to get expert medical opinions about your problem; there might be other, less costly ways to improve your health. You can find MostChoice here: http://www.mostchoice.com/health-insurance.cfm Hope this helps, Barnes@MostChoice
