it depends on several things: 1. your insurance company (some are better than others as you know) 2. your array of symptoms that are attributed to the deviated nasal septum (surgery would only be approved if this was the only answer) 3. your ents persistence. the surgeon would need to "plead your case" to the cost-conscious insurance company.
repair of a deviated septum (septoplasty) covered by health insurance?