Everything You Need to Know about Lasik Insurance

If you’re considering Lasik eye surgery, you may be wondering if your health insurance will cover the procedure. The cost of Lasik can vary depending on the surgeon and the technology used, but in general, Lasik is an elective procedure and is not typically covered by insurance. However, there are some situations where insurance may cover Lasik, and there are also financing options available to help make the procedure more affordable.

What is Lasik?

Lasik is a type of eye surgery that uses a laser to reshape the cornea, which is the clear front part of the eye. This can correct vision problems such as nearsightedness, farsightedness, and astigmatism. The procedure is performed on an outpatient basis and typically takes less than 30 minutes.

Lasik is a popular procedure because it can provide long-term vision correction without the need for glasses or contact lenses. However, the cost can be a barrier for many people, especially if insurance does not cover the procedure.

Will Insurance Cover Lasik?

In general, health insurance does not cover Lasik because it is considered an elective procedure. However, there are some situations where insurance may cover the cost of Lasik. For example, if you have a medical condition that affects your vision, such as cataracts or glaucoma, and Lasik is necessary to treat the condition, insurance may cover the procedure.

Some insurance plans also offer a discount or reimbursement for Lasik if you choose to pay for the procedure out of pocket. You should check with your insurance provider to see if they offer any coverage for Lasik.

Financing Options for Lasik

Even if insurance does not cover Lasik, there are financing options available to help make the procedure more affordable. Many Lasik providers offer financing plans that allow you to pay for the procedure over time, often with low or no interest.

You can also use a healthcare credit card, such as CareCredit or Alphaeon Credit, to pay for Lasik. These cards offer special financing options for medical procedures and can be a good option if you need to spread out the cost of Lasik over several months.

Lasik Insurance FAQ

How much does Lasik cost?

The cost of Lasik can vary depending on the surgeon and the technology used. On average, Lasik costs between $2,000 and $4,000 per eye.

Is Lasik covered by insurance?

In general, Lasik is not covered by insurance because it is considered an elective procedure. However, some insurance plans may cover Lasik if it is necessary to treat a medical condition.

Are there financing options available for Lasik?

Yes, many Lasik providers offer financing plans that allow you to pay for the procedure over time. You can also use a healthcare credit card, such as CareCredit or Alphaeon Credit, to pay for Lasik.

What is the success rate of Lasik?

Lasik has a high success rate, with most patients achieving 20/20 vision or better after the procedure. However, there are some risks and potential complications associated with Lasik, so it is important to discuss these with your surgeon before undergoing the procedure.

Is Lasik painful?

Most patients report only mild discomfort during the Lasik procedure, and any discomfort typically resolves within a few hours after the procedure. Your surgeon will provide you with pain medication and instructions for managing any discomfort.

Conclusion

If you’re considering Lasik eye surgery, it’s important to understand that insurance typically does not cover the procedure. However, there are financing options available to help make the procedure more affordable. If you have a medical condition that affects your vision and Lasik is necessary to treat the condition, insurance may cover the procedure. You should check with your insurance provider to see if they offer any coverage for Lasik.

Ultimately, the decision to undergo Lasik is a personal one that should be made after careful consideration of the risks and benefits. Talk to your eye doctor and Lasik surgeon to determine if the procedure is right for you.