LASIK Eye Surgery & Insurance
Does Insurance Cover LASIK Eye Surgery?
Most insurance plans don’t cover the full cost of LASIK, but some health and vision plans may offer discounts or other benefits that can reduce your out-of-pocket cost. What you qualify for depends on your specific plan.
The important distinction is between insurance coverage and a LASIK discount. Your plan may not pay for the procedure itself but could still give you access to a lower price through a participating provider.
LASIK Eye Surgery With Insurance
Does Health Insurance Cover LASIK?
Most health insurance plans don’t cover LASIK because it is generally considered an elective form of vision correction rather than a medically necessary treatment.
However, benefits vary by plan. If you’re considering LASIK, check your health insurance benefits to see whether your plan includes any refractive-surgery benefits or discounts.
Does Vision Insurance Cover LASIK?
Vision insurance typically doesn’t pay for the full cost of LASIK, but some vision plans offer LASIK discounts through participating providers.
The discount, participating providers and eligibility requirements vary by plan. Before scheduling LASIK, check your vision benefits to see whether you have access to a LASIK discount.
How Much Can Insurance Save You on LASIK?
There isn’t one standard insurance discount for LASIK. The amount you can save depends on your plan, the provider you choose and the terms of the available benefit.
That’s why it’s worth checking your benefits even if your insurance doesn’t technically “cover” LASIK. A discount can still reduce the amount you pay out of pocket.
If you want to understand the full price before applying any available savings, start by looking at how much LASIK costs and what factors can affect the price.
LASIK Eye Surgery Insurance Discounts
Does Your Vision and Health Provider Cover LASIK Eye Surgery?
Typically, the only organizations and employers with coverage for LASIK eye surgery are specialty unions and professions where wearing corrective eye wear presents an occupational hazard. These employers tend to self-insure and dedicate a portion of monthly premium dollars to the procedure. We encourage you to contact us to find out if your insurance plan covers LASIK or offers a discount.
Does your Insurance cover LASIK?
Does EyeMed Cover LASIK Eye Surgery?
Does United Healthcare Cover LASIK?
Does VSP Cover LASIK Eye Surgery?
Does DavisVision Cover LASIK Eye Surgery?
Does Aetna Cover LASIK Eye Surgery?
Does Anthem Cover LASIK Eye Surgery?
Does Humana Cover LASIK Eye Surgery?
Does Cigna Cover LASIK Eye Surgery?
Does Blue365 Cover LASIK Eye Surgery?
LASIK Insurance COVERAGE explained
What If My Insurance Doesn’t Cover LASIK?
If your insurance doesn’t cover the cost of LASIK, you may still have several ways to make the procedure more affordable. Depending on your situation, you may be able to use tax-advantaged funds, financing, available discounts, or pay for the procedure upfront.
Use HSA or FSA Funds
You may be able to use money from your Health Savings Account (HSA) or Flexible Spending Account (FSA) to pay for eligible LASIK expenses. Using these funds can help reduce the amount you pay out of pocket.
Consider LASIK Financing
Financing may allow you to spread the cost of LASIK over time rather than paying the full amount upfront. Available plans, interest rates, terms, and eligibility requirements vary, so review the details of any financing option before choosing a plan.
Look for LASIK Discounts
Some insurance and vision plans may offer LASIK discounts even when they don’t provide traditional coverage. Providers may also offer other discounts or promotions that can lower the cost of treatment. Availability and eligibility vary, so it’s important to ask what savings may be available before scheduling your procedure.
Pay for LASIK Upfront
If you prefer not to use financing, you can pay for LASIK upfront. You may also be able to combine an upfront payment with eligible HSA or FSA funds or an available discount, depending on the terms of your plan and provider.
Frequently Asked Questions
Does Insurance Pay for LASIK?
Most health insurance plans don’t pay for the full cost of LASIK because it is generally considered an elective procedure. However, some insurance or vision plans may provide discounts or other benefits that can reduce your out-of-pocket cost. Check your specific plan to understand what benefits are available.
Is LASIK Covered by Vision Insurance?
LASIK is not typically covered as a standard vision insurance benefit. However, some vision plans may offer access to LASIK discounts through participating providers. Your benefits and available savings depend on your specific plan.
Does Medicare Cover LASIK?
Medicare generally does not cover LASIK when it is performed to correct refractive errors such as nearsightedness, farsightedness, or astigmatism. Medicare coverage can differ when a procedure is medically necessary, so check with Medicare or your plan administrator if you have questions about your specific situation.
Does Medicaid Cover LASIK?
Medicaid generally does not cover LASIK when it is performed to correct refractive errors. Coverage varies by state and plan, so check with your state Medicaid program or plan administrator for information about your specific benefits.
Can I Use Insurance and HSA/FSA Together?
Potentially, yes. If your insurance or vision plan provides a LASIK discount, you may be able to use eligible HSA or FSA funds toward your remaining out-of-pocket cost. However, HSA and FSA rules and insurance benefits vary, so confirm how the two can be combined with your plan administrator and LASIK provider before paying.