Hi Valerie, You seem to be troubled with the breathing problems you have and have an associated deviated nasal septum. Your insurance policy seems to be unhelpful for treating your nose problem. You could still undergo surgery with little modification in your medications (Warfarin) which can only be advised by the operating surgeon once he sees you. Now that you have again injured your nose, try asking for insurance (although it is now not a cosmetic surgery, septoplasty are usually not covered by many insurance companies. I am afraid, in that case, you need to pay out of pocket and get it corrected if it is affecting your quality of life. But ensure, your doctor is completely aware of your blood clot condition and takes necessary precautioins. Regards, Sreeni