Navigating health care is daunting, especially when it comes to elective surgery like LASIK eye surgery. You may be wondering “Is LASIK eye surgery covered by insurance?” Most health insurance providers consider vision correction procedures such as LASIK as elective, meaning not medically necessary, so these procedures typically will not be covered.
However, vision insurance provides different benefits than medical insurance and is specifically designed for people with vision needs. Depending on your selection of provider and plan, you can get additional services and sometimes savings for laser vision correction surgery included in your coverage. Before making any decisions, we recommend researching your plan's offerings and benefits to make sure they meet all your needs.
Some vision care plans with larger insurance carriers may offer specific laser vision correction benefits, including:
Knowing what your individual plan offers can help you determine the cost associated with your LASIK procedure and help determine whether you’re ready for the cost of LASIK surgery now or want to spend more time planning.
Using a health savings account (HSA) or flexible spending account (FSA) can help you pay for LASIK eye surgery by setting aside pre-taxed dollars for certain medical expenses. Understanding the FSA and HSA benefits offered by your employer is critical. Generally, up to $3,050 can be set aside in an FSA for approved medical expenses or an HSA can be established with up to $3,850 for an individual and $7,750 for a family. Be aware of your annual FSA allotment, oftentimes it must be used by the end of your employer’s benefits period. If you know you want to have LASIK eye surgery, start researching your HSA and FSA benefits so you can plan for the timing of your procedure.
At Providence Eye & Laser Specialists, our expert surgeons, Dr. Mozayeni and Dr. Nunnery are passionate about educating patients about the long-term benefits of LASIK. Additionally, we want our patients to be fully educated on their options when it comes to paying for LASIK eye surgery. In addition to accepting major credit cards (MasterCard, Visa and Discover) we partner with Wells Fargo and Care Credit® to provide 0% interest options, with credit approval. We want everyone to be able to plan for the LASIK eye surgery that is feasible for them.
As a medical practice we believe it is critical to be transparent about both medical and financial information. That is why we do not require a consultation to obtain details about our pricing for vision correction procedures. During your initial phone call with one of our vision coordinators we will be happy to explain the entire consultation experience, review pricing, payment and financing options.
Before you begin to research if you are covered for LASIK eye surgery by insurance, it is important to determine if you are an ideal candidate for LASIK eye surgery or if there is an alternative laser vision correction procedure that is a more suitable option. Scheduling a consultation with the LASIK surgeon who will be performing your procedure is essential – as they will be able to answer all your questions about LASIK and let you know if you are an ideal candidate.
We understand the decision to undergo LASIK eye surgery is extremely important — with costs being equally as important. Unlike the tempting discount LASIK advertisements, our pricing is always straightforward, and we provide our patients with written information about the pricing for their procedure at their consultation. In addition, our FDA-approved state-of-the-art technology and expert surgeons ensure that you’ll be pleased with the investment you make in your vision.
Schedule a free LASIK consultation today and start planning for your LASIK eye surgery!