Many people who are looking for ways to improve their vision naturally think of LASIK. But does insurance cover LASIK eye surgery? Vision insurance offers some benefits that will cover laser eye surgery. However, these policies can only be used for some instances. You must carefully examine your insurance policies to determine which coverage you have for Laser Vision Correction.
Contents
- 1 What insurance covers LASIK?
- 2 Do Insurance Policies Cover LASIK Treatment for Astigmatism
- 3 How does insurance cover LASIK?
- 4 Does Illinois Medicaid Cover LASIK Eye Surgery?
- 5 Insurance Providers for Laser Eye Surgery
- 6 Here are some ways to save on LASIK surgery
- 7 FSA or HSA
- 8 You can check in with the HR-Manager.
- 9 Conclusion
What insurance covers LASIK?
Can vision insurance cover LASIK treatment? The answer will depend on what your individual or employer’s vision insurance covers.
LASIK eye operation is considered elective, which means it is not mandatory and is therefore not recommended for medical reasons. It is possible, however, to have some insurance coverage depending on your provider’s insurance policy.
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The cost of glasses and contacts will be covered by most health insurance, but vision insurance plans can cover additional care costs.
Vision plans are more likely than health plans will provide coverage for surgery. A few vision plans have benefits that may cover a large portion of the cost associated with laser vision correction.
Do Insurance Policies Cover LASIK Treatment for Astigmatism
Unfortunately, getting vision insurance covering LASIK can be challenging to correct astigmatism. Most insurance companies regard LASIK for astigmatism as an elective procedure. Therefore, they consider contacts and glasses acceptable options for surgery.
How does insurance cover LASIK?
Many believe an insurance provider may cover the cost of LASIK surgery if they have certain medical conditions, such as severe allergies or dry eye. LASIK eye surgery is elective, and insurance for it is not recommended.
Does Illinois Medicaid Cover LASIK Eye Surgery?
The question that follows is: Does Medicaid cover LASIK surgery? Does Medicare cover LASIK surgery? It is not often true.
Unless it is certified medically necessary, neither policy covers elective surgery. It isn’t easy to prove the necessity for elective surgery.
Finding a provider that accepts Medicare and Medicaid will be necessary if the need is proven.
It is a good idea for you to consult your Medicare and Medicaid provider to understand how LASIK surgery would work.
Insurance Providers for Laser Eye Surgery
If insurance covers the surgery at all, how much? You can find out if your benefits include LASIK by checking your personal or company insurance policy.
Large unions might offer financing options. They may also help to cover a large portion of the cost associated with vision correction surgery.
VSP insurance covers LASIK. If the eye doctor in-network is available, Vision Service Plan (VSP), the insurance company might also be able to help with LASIK.
Here’s a list of providers with benefits and possible discounts.
Aetna
- LASIK procedure: up to $800 + lifetime free enhancements
- LASIK examinations of up to $120 in value
- Operation without a blade
- Appointments for medically-required post-op appointments
Humana
- LASIK procedure: up to $800 + lifetime free enhancements
- LASIK examinations of up to $120 in value
- It is possible to perform a procedure without using a blade
- Appointments for medically-required post-operative care
Block Vision
- LASIK procedure: up to $800 + lifetime free enhancements
- LASIK examinations of up to $120 in value
- Procedures that don’t require a blade
- Appointments for medically-required post-operative care
Careington
- LASIK procedure: up to $800 + lifetime free enhancements
- LASIK examinations of up to $120 in value
- Bladeless procedures
- Appointments for medically-required post-operation appointments
Solstice
- LASIK procedure: up to $800 + lifetime free enhancements
- LASIK examinations of up to $120 in value
- Bladeless procedures
- Appointments for medically-required post-operation appointments
Cigna
- LASIK procedure: up to $800 + lifetime free enhancements
- LASIK examinations of up to $120 in value
- Operation without a blade
- Appointments for medically-required post-operative care
Blue View
- LASIK exam up to $100
- Operation without a blade
NVA
- LASIK procedure: up to $800 + lifetime free enhancements
- LASIK examinations of up to $120 in value
- Operation without a blade
- Appointments for medically-required post-operative care
Abenity
- LASIK can save you up to $800
- Consultation with LASIK – Over $150
- Enjoy unlimited free enhancements on all procedures for life
- Other financing options
EyeMed
- LASIK procedure: up to $800 + lifetime free enhancements
- LASIK examinations of up to $120 in value
- Bladeless procedures
- Appointments for medically-required post-operation appointments
Special Offers from Anthem
- LASIK procedure: up to $800 + lifetime free enhancements
- LASIK examinations of up to $120 in value
- Operation without a blade
- Appointments for medically-required post-operation appointments
Blue Vision
- LASIK procedure: up to $800 + lifetime free enhancements
- LASIK examinations of up to $120 in value
- Procedures that don’t require a blade
- Appointments for medically-required post-operation appointments
NRA
- LASIK procedure: up to $800 + lifetime free enhancements
- LASIK examinations of up to $120 in value
- Operation without a blade
- Appointments for medically-required post-operative care
EyeBenefits
- LASIK procedure: up to $800 + lifetime free enhancements
- LASIK examinations of up to $120 in value
- No need to use a blade
- Appointments for medically-required post-operation appointments
Here are some ways to save on LASIK surgery
Financing Plans
Many surgeries offer financing options to help their patients pay for their treatment.
A financing plan is essentially a payment plan with low-interest rates. Patients often opt to use their credit cards with no or low-interest rates, offering rewards such as air travel miles or other perks.
FSA or HSA
Some employers can offer FSAs and HSAs. These allow employees to put aside tax-free money, which they can later use for qualified procedures such as LASIK.
To find out your company’s policies for FSAs, and HSAs concerning LASIK, consult your benefits manager.
Bonuses
If you focus on vision correction, bonus money can also be used to pay the cost of LASIK.
The bonuses you receive can take the form of tax reimbursements, a signing bonus to a new position, a bonus at your current job, financial windfalls, and even cash gifts.
A great example of unexpected financial success is the COVID-19 stimulus checks.
You can check in with the HR-Manager.
You will usually find someone responsible for your company benefits at work, typically a human resource or office manager.
Your HR manager will answer any questions that you may have regarding your vision plan.
You can also discuss with this person other benefits that may be available to help cover the cost, like FSAs, HSAs, etc.
Conclusion
An experienced ophthalmologist specializing in laser vision correction is recommended when considering LASIK.
A comprehensive eye exam, which measures vision function and assesses the eyes’ health, will determine whether the procedure is required.
So is LASIK coverage available?
You can find out if you qualify for LASIK by talking to your benefits manager at your employer or individual.
