Does Insurance Cover Rhinoplasty? Understanding What’s Covered … And What’s Not
January 16, 2026
In some cases, insurance may help cover rhinoplasty, typically when breathing or structural issues impact health or quality of life. So, does insurance cover rhinoplasty in every situation? No, it depends on whether the procedure is considered cosmetic, functional, or a combination of both.
At Omni Cosmetic, we take a thoughtful, individualized approach to every nose surgery (nose job) procedure. Our goal is to help you understand your options, set realistic expectations, and choose a path that supports your wellness, confidence, and budget.
Before and After Rhinoplasty in Minneapolis and St. Paul, MN, by Omni Cosmetic
Cosmetic vs. Functional Rhinoplasty
Understanding the different approaches can help you and your insurance provider determine eligibility and plan for your procedure.
Cosmetic Rhinoplasty
This approach focuses on reshaping the nose to improve its appearance while enhancing facial balance and harmony. Because these goals are aesthetic, insurance companies typically classify cosmetic rhinoplasty as elective and not covered.
Cosmetic rhinoplasty offers benefits such as:
- Smoothing a dorsal hump
- Narrowing the nose bridge
- Lifting or refining the tip (tip plasty)
- Correcting asymmetry
In addition to aesthetic improvements, a cosmetic rhinoplasty can significantly increase your self-confidence.
Functional Rhinoplasty
Functional rhinoplasty, on the other hand, addresses medical concerns that affect breathing or nasal function. Examples include:
- A deviated septum (a crooked internal wall)
- Collapsed nasal valves
- Chronic breathing difficulty
- Structural problems after trauma or previous surgery
In many of these situations, functional rhinoplasty may overlap with a procedure called septoplasty, which straightens the septum to improve airflow. When documentation shows that surgery is medically necessary, insurance may cover some or all of the functional portion.
Will Insurance Cover Rhinoplasty for a Deviated Septum?
Some insurance companies will cover surgery for a deviated septum, though every insurer has its own guidelines. If your breathing is impaired, you’ve tried conservative treatments, and testing confirms obstruction, some insurers offer coverage. Our caring, knowledgeable team works closely with you to help you provide the necessary records to your insurance carrier.
Is Functional Rhinoplasty Always Covered by Insurance?
Insurance coverage for functional rhinoplasty is never automatic. Insurance carriers usually require:
- A detailed medical evaluation and imaging
- Notes documenting symptoms such as obstruction or sinus issues
- Proof that nonsurgical treatments have been attempted
If cosmetic refinements are planned at the same time, insurance usually covers only the functional portion. The aesthetic component is considered an out-of-pocket expense.
What if My Nose Job Isn’t Covered?
Many people opt for cosmetic changes even when they aren’t covered by insurance. To make care more accessible, we offer flexible financing options through trusted lending partners such as CareCredit®. Financing spreads payments out, helping you choose the timing and surgical plan that feels comfortable for you. Some patients also use HSAs or FSAs for eligible medical portions when applicable.
If you’re budgeting for a popular cosmetic procedure like rhinoplasty, facelift, cheek augmentation, or simply want to understand your options, we’re here to support you with compassionate expertise and transparent guidance.
A Thoughtful Path Forward
When it comes to the question of whether insurance covers rhinoplasty, the most accurate answer is: Sometimes, if the procedure is done to restore nasal function rather than solely to change the nose’s appearance.
During your rhinoplasty consultation, we’ll review your breathing concerns, aesthetic goals, imaging, and insurance criteria. Together, we’ll design a personalized plan—whether functional, cosmetic, or both, with clarity around costs and next steps.
Request a consultation to start the conversation with our experts. Complete the online form
or call us at (763) 559-4500 to schedule an appointment.
