Is Deviated Septum Surgery Covered in Health Insurance

Breathing issues have become increasingly common nowadays. Whether it's due to environmental changes or allergies, these problems can interfere with your day-to-day activities. Since breathing is essential for life, struggling with it can be incredibly frustrating. While many people experience breathing difficulties, they are often overlooked. But have you ever considered that this could stem from a more serious medical condition, like a deviated septum? If you're curious about what that is and how it occurs, you've come to the right place. Let’s find out the fundamentals of this condition and know if deviated septum insurance exists.

What is a Deviated Septum?

Before understanding what a deviated septum is, let’s start with septum. It is the thin wall of cartilage and bone that divides the two sides of your nose. A deviated septum is when the bone and cartilage that divides your nasal cavity is off-center or crooked. This can happen due to a variety of reasons, and it may cause several uncomfortable symptoms, especially if the deviation is severe. 

Causes of a Deviated Septum

There are several potential causes of a deviated septum, like:

• An injury or broken nose can cause a deviated septum. 
• It could also be present from birth. Such medical conditions are referred to as congenital diseases. 
• Environmental factors, such as chronic sinus infections or allergies, can also contribute to nasal inflammation, making a pre-existing deviation worse

Symptoms of a Deviated Septum

How do you know if you have a deviated septum? The symptoms can vary depending on the severity of the condition, but the common symptoms include the following: 

• Difficulty Breathing Through One or Both Nostrils: This is one of the most common symptoms that can help you detect this medical condition. If you find it hard to breathe clearly through your nose, especially one side, then you might have a deviated septum.
• Chronic Nasal Congestion: A crooked septum can restrict airflow, leading to a constant feeling of stuffiness or congestion. 
• Frequent Sinus Infections: A deviated septum can hinder proper sinus drainage. This makes it easier for bacteria to build up, which can lead to infections.
• Noisy Breathing: If you have observed that your breathing is loud or that your sleep is interrupted by snoring, it is possible that a deviated septum is the underlying cause. 
• Headaches and Facial Pain: If you are experiencing any discomfort or pain in the face, especially around the nose and eyes, then you must consult your doctor. 
• Sleep Apnea: A severe deviation can contribute to sleep apnea. This is a condition where breathing stops and starts during sleep.

Does a Deviated Septum Require Surgery?

When non-surgical treatments like medications or nasal sprays aren’t enough to manage the symptoms, surgery may be necessary. Nose surgery for breathing, also known as septoplasty, is a procedure designed to straighten the septum and open up the nasal passages, allowing for better airflow. 

The main goal of nose surgery for breathing is to improve breathing, alleviate chronic sinus issues, and potentially reduce snoring and sleep apnea symptoms. Did you know that many people opt for septoplasty to experience a significant improvement in their quality of life, with easier breathing and fewer sinus infections? 

How Does Septoplasty Work?

Septoplasty is a surgical operation to fix a crooked septum. It is considered an outpatient treatment and does not require you to stay in the hospital. The surgery typically involves removing or reshaping the cartilage and bone in the nose to correct the deviation. 

Are there any Risks Associated With Septoplasty?

While septoplasty has no specific complications, as with any other surgery, some of the potential risks may include:

• Excessive Bleeding
• Infection
• Scarring
• Pain
• Swelling
• Anesthesia Risks. 

Is Septoplasty Covered in Health Insurance?

Yes, septoplasty covered by insurance. However, you must keep in mind that health insurance will cover the costs of septoplasty covered by insurance if it is deemed medically necessary. Meaning, if you are experiencing significant problems, like chronic sinus infections, sleep apnea, or severe difficulty breathing, most health insurance providers will classify the surgery as medically necessary and will provide coverage.  However, if you are undergoing septoplasty for other reasons, the insurance company will not cover any expenses. 

Furthermore, some insurance companies may require your prescriptions and documents stating that you are suffering from a deviated septum and require surgery. Hence, you must document the medical issues you’re facing. 

Factors to Consider When Buying Health Insurance for Deviated Septum Surgery 

When buying deviated septum insurance, keep the following factors in mind. These factors will assist you in making the best choice.

• Coverage: Ensure the plan covers nose surgery for breathing if it's deemed medically necessary due to issues like chronic sinus infections or sleep apnea.
• Pre-authorisation Requirements: Some plans require approval before surgery, so check the process and documentation needed from your doctor. 
• Network of Providers: Seek treatment in a network hospital to reduce your financial burdens. 
• Out-of-Pocket Costs: Understand your plan’s deductible, copays, and coinsurance to know how much you’ll pay for surgery and follow-up care.
• Exclusions: Every insurance plan varies in terms of terms and conditions. Make sure to read the fine print before finalising the decision to get a better understanding of exclusion or limitations such as for cosmetic or elective procedures.

Wrapping Up

Breathing easier can make a world of difference in your daily life. If a deviated septum is causing you to struggle with congestion, sinus infections, or poor sleep, surgery might be the key to better health and comfort. Additionally, you don’t have to worry about the high medical expenses associated with the surgery, because septoplasty covered by insurance policies.

If you're exploring health insurance options or need assistance exploring your plan, then we at Niva Bupa can help you with that. Furthermore, we have a large variety of health insurance plans, catering to your unique needs. With our plans, you can get access to quality healthcare services in more than ten thousand network hospitals across India. We aim to offer you top-notch services at affordable premiums. 

FAQs

Does insurance pay for a deviated septum?

Yes, health insurance companies offer coverage for a deviated septum surgery.

Is a deviated septum a big deal? 

A deviated septum does not state that you are medically unfit unless it's severe and disrupting your daily activities. 

Is septoplasty a big surgery?

No, it is a minor surgery.