Rhinoplasty may be performed for reasons which are purely cosmetic, purely reconstructive, or a combination thereof. Reconstructive or medically-necessary reasons conventionally include nasal breathing obstruction and traumatic, congenital or severe developmental deformities. Septoplasty also may be performed cosmetically, as part of internally aiding correction of an external cosmetic deformity, or as reconstructive, in order to improve nasal breathing and deformity as part of the reconstructive rhinoplasty. The determination of whether either rhinoplasty or septoplasty are cosmetic or reconstructive (medically-necessary) is made by your surgeon based upon your reported medical history, your nasal symptoms and your surgeon's documented findings upon examining your nose.
The determination of whether your insurance, or any other third party, will pay for the expenses of a proposed nasal surgery will be based upon the surgeon's documentation supporting the criteria of your covered benefits within your individual insurance agreement. Felony fraud, or conspiracy felony fraud, only applies if you, or your surgeon, should choose to intentionally misrepresent information in efforts to gain third-party payment for surgery expenses when the criteria for coverage are absent.
If you and your surgeon have accurately described and documented your reasons for proposing nasal surgery, then you may confidently submit any documentation in support of your insurable claim. Before undertaking medically-necessary surgery, I would strongly recommend that internal and external preoperative nasal images be submitted, along with a pre-determination of your coverage, to your insurer for the proposed procedure. Preoperative or postoperative denials of coverage, without both written and preoperative image documentation, for later review or appeal, are very difficult to overcome. Appeals for coverage of claims are first made, with the assistance of your surgeon, to the third-party insurer medical review process. If you believe your claim is being repetitively denied, without merit on the part of your insurer, a final investigation and appeal for third-party coverage of your claim may be conducted by either your state's insurance commission or state medical licensing agency.
My own cosmetic surgeon would not do both at the same time because he said it would border on insurance fraud. So I got my septum fixed and said heck with the nose-job.
You can check the details with your insurance company, but the surgery would need to be proven medically necessary. You can discuss that with your doctor.
To get rhinoplasty for a deviated spetum, you'll need to go to a plastic surgeon. There are probably a variety of options in California. It is a good idea to go to a provider covered by your insurance.
Rhinoplasty or a nose job is generally not covered by insurance and can cost between $3000 to $7500 depending upon the surgeon. You can find out more at MySurgeryMD.com, NoseandFace.com and other websites.
Possibly. A deposition is a legal document, the results of an interview concerning a particular issue. If your insurance company needs to depose you (interview you under oath with a legal transcript) and you won't cooperate with them, there's a good chance that your insurance company won't cooperate with you on the issuance of an insurance policy.
Insurance companies will pay for plastic surgery in limited cases. The most popular is repairing a deviated septum which can be repaired during rhinoplasty (nose job).
how are they refusing to cooperate? have you filed a claim with the company? NOT the agent? contact the company's main head quarters and file a claim.......just because you are uninsured doesn't mean that they cannot ''make you whole'' once an insured has caused a loss......
HMO insurance means the insurer consist of a network of "Health Maintenance Organizations" who agree to cooperate in providing the insurance services.This usually allows for a broad range of preventive health concepts.
Of course you need to cooperate. Any time an Insurance co. has a claim, they have to investigate it and determine who's liable. Cooperating is in your best interest. Tha fact the you and the other driver are insured by the same company has nothing to do with the claim itself.
Shopping for travel insurance should be a process. Travelers should discover the travel insurance that meets their needs with the appropriate amount coverage at a reasonable price. Customer service and other qualities are also important. Considering travel insurance reviews before making their final selection enables travelers to verify that the insurance provider they are considering lives up to its claims.
You can always file a claim on their policy. If they do not cooperate with their insurance company, the company has to give them the state required days to respond before they make a ruling on fault.
What are the Underwriting guideline's for general liability insurance when hiring employee's and considering their Motor Vehicle Reports?
You can visit the different insurance companies that you are considering, learn about their different options, and compare the findings from the various companies.