Financing a Nose Job When Health Insurance Doesn’t Cover

Many patients turn to finance to fund the costs of their nose job when their health insurance does not cover 100% of the expense.

Having a third party picking up most of the charges is the ideal option. You will have to show that your rhinoplasty or septoplasty is medically necessary: it treats a symptom or condition such as restricted breathing.

Taking out a loan is the preferred option for cosmetic procedures if you cannot save up enough to pay upfront. Having money in the bank allows you to pick the plastic surgeon with the best skills and experience.

Nose Job Without Insurance

Most people must fund 100% of the cost without support from insurance when their nose job is for cosmetic reasons only. The pricing for each procedure type varies, but these average figures provide a benchmark for the amount of cash you must raise.

  • Surgical Nose Job Cost: $5,350 not including anesthesia, facilities, and related charges
  • Liquid (Non-Surgical) Rhinoplasty: costs $600 to $1,500 depending on the type of dermal filler


Request a personal loan (Sponsored Link) to fund the out-of-pocket costs of your cosmetic nose job. If approved, you should have enough cash in your checking account to shop around for the plastic surgeon most likely to provide the look you want, rather than one who offers financing or convenient payment plans.

Rhinoplasty is a delicate surgery that enhances harmony with other facial features. In other words, it is part of art and medicine. Taking out a loan before choosing your provider puts you in control of the most critical element: picking the artist.

Payment Plans

Looking for a surgeon with in-house payment plans for cosmetic rhinoplasty emphasizes the wrong element. Would you go to a bank and ask if they do nose jobs? Of course, that would be absurd!

First, you want to choose a provider with the right training and specialization – preferably one board-certified in facial and reconstructive surgery who does not diversify into breast augmentation or liposuction. Your appearance is a stake, and you want the best possible result.

Second, most providers refer patients to third-party patient-finance companies who do the dirty work behind the scenes. Surgeons want their money upfront. The arrangement allows them to promote payment plans so that patients agree to the procedure.

Saving Up

Saving up in advance is the ideal way to fund your cosmetic rhinoplasty costs without insurance. When you use assets squirreled away in a savings account, you provide yourself with free financing.

Saving up money in advance works best for people with patience and creativity. Those who can afford to wait have a variety of ways to set the resources aside.

  • Cut expenses such as eating out in restaurants or drinking cocktails in bars
  • Make extra income with a side gig such as driving Uber or freelance work
  • Raise donations via the many online crowdsourcing platforms

Getting Nose Job Covered by Insurance

The trick to getting your nose job covered by health insurance is to demonstrate the medical need for the procedure. Once established, your plastic surgeon can improve both function and appearance, and your plan could pick up most of the charges.

Of course, you must speak using medical terminology when communicating with your insurance company. Rhinoplasty (exterior) and Septoplasty (interior) address issues with different parts of your proboscis.


Your insurance plan could cover the cost of rhinoplasty when performed for medically necessary reconstructive purposes. The condition causing your symptoms might be congenital (cleft palate) or the result of an accident (broken nose), or other trauma such as an earlier surgery.

Your insurance claims underwriter could classify a rhinoplasty as medically necessary if any of these conditions apply to your situation.[1]

  1. Deformities of the bony nasal pyramid that cause symptomatic airway compromise
    1. Sleep apnea
    2. Chronic rhinosinusitis
  2. Reconstruction following treatments or illnesses
    1. Removal of malignancies
    2. Destructive inflammatory diseases
    3. Abscess or osteomyelitis
  3. Deformity of the bony nasal pyramid caused by documented trauma
  4. Trauma-related nasal airway obstruction leading to chronic rhinosinusitis


Your insurance plan could cover septoplasty when you suffer from a medically necessary nasal blockage that impairs breathing. Two conditions can restrict your airflow leading to other health problems.

  1. Deviated septum: the bone and cartilage of the nasal passage are crooked
  2. Enlarged turbinates (hypertrophy): swell to block breathing

Your insurance claims underwriter may classify septoplasty as medically necessary when one or more of these conditions apply in your situation.[2]

  1. Trauma to the septum leads to deformity
  2. Reconstruction after surgical nasal excisions
    1. Tumors
    2. Polyps
    3. Ethmoid bone
  3. Deviated septum that leads to medical disabilities
    1. Recurrent pus-filled sinusitis
    2. Deformity or nasal spur with significant airway obstruction
    3. Recurrent nose bleeds
    4. Facial pain originating from the nasal area
    5. Impending septal perforation
    6. Obstructive sleep apnea


Combine the two concepts noted above to determine whether your insurance plan might cover septorhinoplasty to straighten your crooked nose. In this case, the surgeon is performing two procedures at the same time.

The septorhinoplasty must correct a medical condition such as compromised breathing or chronic inflammation in your sinus cavity. Of course, both internal (septoplasty) and external (rhinoplasty) portions of your nose must cause your symptoms.

Unreimbursed Costs

Just because your insurance company agrees to cover your medically necessary nose job does not mean the procedure will be free of all charges. Every plan includes cost-sharing elements that factor into the amount the patient must pay out-of-pocket.

You calculate the cost of the rhinoplasty or septoplasty with insurance by adding up each element that should appear later in your explanation of benefits.

  • Annual deductible: the member-funded amount before benefits begin
  • Co-insurance: share of the allowed charges paid by the patient
  • Copayment: fee paid by the member after each doctor visit

Also, do not forget to include a possible balance billing arrangement if you pick a plastic surgeon who is out-of-network with your plan. Non-participating providers can charge above the discounted “allowed amount.”

Footnoted Sources:

[1] BCBS of NC Rhinoplasty

[2] BCBS of NC Septoplasty