What Is The Cost Of Laser Eye Surgery With Insurance
While most insurance providers dont typically cover the cost of LASIK, some major providers do offer discounts for laser eye surgery procedures. These insurance companies work with LASIK providers to offer a courtesy discount for members, which can help cover some of the laser eye surgery cost. You wont know until you ask, so its always a good idea to speak with your insurance company about any LASIK discounts that may be available.
Speaking with your insurance provider may also help you find out whether you fit the narrow requirements for LASIK to be considered something other than an elective or cosmetic procedure. Basically, insurance companies may pay for LASIK, but there are very specific requirements.
What Does Lasik Eye Surgery Involve
The goal of LASIK is to improve vision-related disorders in patients. This procedure may reduce your dependency on eyeglasses and contact lenses. When LASIK is successful, you may not need these items altogether.
Here is an overview of the three refractive issues that ophthalmologists may correct during LASIK surgery. They are:
Nearsightedness This condition occurs when the eyeball is slightly longer than normal, or the cornea curves too sharply. Myopia results in light rays focusing on the front of the retina, while distant objects aren’t sharp. You may see objects that are close to you, but not ones that are too far away.
Farsightedness This condition occurs when a person can see faraway objects, but nearby objects are blurry. Hyperopia occurs when the eyeball is shorter than a normal one, or the cornea has a flattened shape. It causes light to focus behind the retina instead of its surface. The disorder results in fuzzy, near vision, and it can sometimes disrupt distant eyesight.
Astigmatism When you have a curved, flattened, or uneven cornea or flattened, it may result in a condition called astigmatism. This disorder results in blurry near and distant vision.
Most ophthalmologists order glasses or contact lenses to bend or refract light rays to the correct position on the patients retina. Now, surgeons can reshape the dome-shaped transparent tissue called the cornea at the front of the eye. This procedure provides the right refraction to correct eyesight.
Why Get Laser Vision Correction
One of the top reasons people choose LASIK eye surgery is because it is relatively quick and has minimal side effects. You can have the procedure done in about 30 minutes, and most of that time is setting up.² The other reason people choose LASIK eye surgery is because of how quickly you can notice results. Most report seeing very well the day following surgery and can resume normal activities within 48 hours.
Another reason people decide to get laser vision correction is to reduce their dependence on prescription glasses and contacts. Most people who have laser-assisted eye surgery get 20/25 vision or better³, which works well for most activities. Also, LASIK eye surgery is a relatively safe procedure. The laser shuts off if a patient begins moving their eye rapidly, which reduces the likelihood of error and injury.
LASIK surgery remains a very popular surgical option for individuals of every age. Approximately 700,000 Americans get LASIK surgery every year.
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About Lasik Eye Surgery
Lasik eye surgery is performed for an improved vision of the individuals. It is used to correct the vision of the people having myopia, hyperopia, and astigmatism. The surgery is done with a complex procedure and it takes around 30 mins to complete the procedure using advanced technology. Initial step for this process includes medical inspection of the eye condition by the experts, and checking of the eligibility. It is considered to be one of the effective treatments for a better vision as it helps the people regain their perfect vision.
Am I A Good Candidate For The Lasik Procedure
Your doctor will assess whether youre a good candidate for LASIK surgery before they agree to perform it. This professional will gather your patient history by asking you questions about your eye health. He or she will find out whether you have any conditions that could cause poor outcomes or medical complications following surgery. These health conditions include:
Keratoconus This eye disease results in progressive deterioration and thinning of your cornea. If you have a family history of this disease, a surgeon will discourage you from pursuing this elective surgery.
Eye infections An ophthalmic surgeon will not perform LASIK surgery if you have conditions such as Keratitis, uveitis, herpes simplex and other medical illnesses that affect the eye area.
Eye injuries and lid disorders These may result in poor outcomes.
Dry eyes Patients with dry eyes can have their condition get worse if they have this procedure.
Large pupils LASIK surgery may be inappropriate for people who have large eyes, even in dim light. Having surgery can result in halos, glare, starbursts, and ghost images.
Cataracts – Since there is damage to the lens, other procedures such as cataract removal or refractive lens exchange, may be better options.
Cornea abrasions and disease – LASIK can aggravate these conditions.
Advanced glaucoma This procedure can worsen eye pressure issues.
Diseases that affect immunity – These include HIV, arthritis, lupus, Celiac disease and other autoimmune issues.
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Will My Insurance Pay For Corneal Cross
Cross-linking is an FDA-approved procedure to strengthen the cornea if it has been weakened by keratoconus or another corneal condition. For an increasing number of patients, insurance plans are covering cross-linking. Note that the epi-off procedure is the only one that has received FDA-approval for progressive keratoconus, and therefore many insurance companies will only cover this particular treatment . Contact your insurance provider for more information.
Healthcare Financing For Lasik
Even with vision insurance and the other tips that have been recommended for helping pay for LASIK, you may still need additional funds to get the surgery. Healthcare financingalso sometimes referred to as a medical credit cardcan potentially get you the upfront funds you need while you pay off the debt in monthly installments.
Medical credit cards are generally considered to be better than regular credit cards for LASIK because medical credit cards are often able to offer lower interest rates than regular credit cards.
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Even More Ways To Save On Lasik Surgery
The answer to questions like will insurance cover LASIK? is most likely no. But there are other resources to save on the LASIK eye surgery cost without insurance:
- You could look into financing options that help spread out the full payment amount.
- Look into a FSA or HSA through your employer.
- Take advantage of discount promotions and specialoffers at SharpeVision Modern LASIK.
Which Insurance Companies Have The Best Coverage For Lasik
Cigna health insurance plans have the best benefits for Lasik with surgery costs as low as $695 per eye.
Even though discounts for Lasik are more frequently offered with vision insurance plans, some health insurance policyholders can get great discounts on corrective eye surgery. For example, Cigna plans can reduce the cost of traditional Lasik to less than $1,000 per eye.
Keep in mind that your actual costs and insurance discounts will vary based on the plan, the location where you get your surgery and the type of surgery you need.
Also, some insurance companies only offer Lasik discounts if you get the procedure at one of the affiliated provider chains. For example, both the Anthem and Blue Cross Blue Shield discount programs can only be used at a LasikPlus facility. Cigna offers better rates if you get your surgery with LasikPlus, but it also provides a 15% discount if you use another surgical center in the U.S. Laser Network.
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What Are My Options If Insurance Doesnt Cover My Lasik Cost
If your insurance company wont cover the cost of LASIK, dont worry. Youre not alone, and there are a ton of financing options available to help you pay for the procedure in the way that best fits your budget. Tax-friendly tools like Health Savings Accounts and Flexible Spending Account allow you to save for medical needs on a pre-tax basis. LASIK centers also offer financing options, so that you can pay for your procedure over time. If you have questions about how to fit LASIK into your budget, speaking with your financial adviser and LASIK provider are key steps in developing a plan.
Looking to learn more about the cost of LASIK eye surgery, and the financing options available? Start by scheduling your free LASIK consultation at your local laser eye surgery center. You can schedule your consultation by calling your LASIK center directly, or by filling out the quick contact form on this page. Your free consultation is an opportunity to speak with LASIK professionals, learn more about financing, and get answers to all of your laser eye surgery questions.
Discounts Through Insurance & Vision Plans
LasikPlus is your Preferred Provider and offers you extra value, including:
- A FREE Comprehensive LASIK Examination
- FREE Enhancements for Life on Most Procedures
- Guaranteed Financing to All Patients
- Custom All-Laser LASIK Procedures
There are worthwhile insurance discounts available with major and vision plans. Because LASIK is an elective surgery and not an essential procedure, insurance companies are unlikely to cover its full cost However, if your insurance does not cover LASIK, there are financing options available to you.
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Conditions Covered By Insurance For Laser Surgery
Does insurance cover LASIK for certain conditions? And if so, what insurance covers LASIK for those conditions? Well, the short answer is that in most cases, when it comes to laser eye surgery cost, insurance wont cover it. But there are situations where you can figure out how to get insurance to pay for LASIK.
Here are a few situations of vision insurance that covers LASIK:
- Eye surgery for refractive errors that are caused by surgery.
- Eye surgery for refractive errors caused by injury.
- Severe refractive errors, although there isnt a consistent impairment level for which the coverage would universally apply.
- Situations where health or physical limitations prevent the patient from wearing glasses or lenses.
Are Bargain Lasik Procedures Worth The Price
A few ophthalmologists advertise low-cost LASIK procedures to patients that sound like a good deal. But these surgeries often have hidden costs that patients will be responsible for in the future. There are several things that people should remember.
Low-cost LASIK procedures only correct mild nearsightedness. The cost of LASIK may be higher than advertised if you have astigmatism, farsightedness or severe myopia.
Additionally, these costs wont cover all the medical care youll need. They will only provide a few follow-up visits and any post-op care at an extra cost. These cheap procedures dont cover any corrective enhancement/retreatment surgeries youll need if the operation didnt go as planned. They may charge you additional money for your first consultation.
Your physician may use older equipment for your operation. Newer equipment allows your doctor to perform your surgery with precision. Additionally, you wont get a custom LASIK or bladeless LASIK surgery.
Before undergoing a bargain LASIK procedure, get a customized quote from the ophthalmologist. Read the fine print in your contract to learn what medical care youll receive and any hidden fees youll have to pay. Dont go ahead with the procedure if its not going to cover the things you need.
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Disadvantages Of Lasik Surgery
LASIK Surgery is one of the most advanced treatments in eye care. This treatment ensures the correction of vision with the help of a laser. Even though the surgery has a lot many advantages there are certain disadvantages that the patients need to understand before undergoing the procedure. The following are certain important points that patients need to focus on:
Thus, the major discomfort in obtaining Lasik surgery is the cost of treatment. Being a complicated surgery, it is important for the patient to understand the treatment and be financially secure to cover the cost of treatment
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Will Medicare Advantage Cover Lasik
Medicare Advantage plans often include vision coverage. Some plans will cover all or some of the cost of LASIK.
Since plans and their coverage vary, you shouldnt assume that your Part C plan will pay for this procedure. In the next sections, well discuss how to confirm whether your plan offers this coverage.
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How Vision Insurance Works
Vision insurance is a health insurance plan that helps pay for part or all your eye care costs, including eye exams, glasses, contacts, and more.
Vision insurance is often offered through employers, but you can also buy it on your own.
Out-of-pocket costs are the costs of care that you pay for yourself when you visit an eye doctor. These costs can include premiums, deductibles, and copays.
When Does Insurance Cover Lasik
In a limited number of circumstances, LASIK surgery may be considered medically necessary and, as a result, could be partially covered by your insurance. One example of medically necessary LASIK surgery is if you experience an eye injury. In such a scenario, the surgery could be needed to correct your injury and could be covered. Similarly, if you have a physical challenge that makes it difficult to wear eyeglasses or contact lenses, then LASIK surgery could be covered as an alternative.
What Is Covered By Vision Insurance
Its important to understand what your vision plan covers and what out-of-pocket costs you may incur. Here is what your vision insurance is likely to at least partially cover:
- Eye exams
- One pair of glasses every one to two years
- Contact lenses, including a contact lens fitting
Some vision plans, such as VSP, offer special discounts on LASIK procedures at specific network providers. Youll generally need to use one of the contracted providers to receive the discount on LASIK or another laser eye surgery.
Because Lasik Is An Elective Surgery And Not An Essential Procedure Insurance Companies Are Unlikely To Cover Its Full Cost
Lasik is considered a cosmetic procedure and insurance any coverage will vary depending on whether monthly premiums are set aside to cover the procedure. The amount youre covered for and the specific benefits you can claim for generally. However, they are usually covered under your obamacare medical insurance plan.
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Does Insurance Cover Lasik Eye Surgery
Does insurance cover LASIK eye surgery? Thats a question many people have when considering laser vision correction.
LASIK eye surgery is a form of laser vision correction that can treat common vision problems by re-shaping the cornea. It can correct myopia , hyperopia , and astigmatism . The results of LASIK are life changing as it can reduce or even eliminate dependency on glasses and contacts, thereby giving patients more freedom in their everyday lives.
At LASIK Experts, weve been performing laser vision correction procedures like LASIK for decades. Our talented team includes some of the most experienced LASIK surgeons in Philadelphia and New Jersey. With more than 40 years of combined experienced, our surgeons have completed over 80,000 LASIK and PRK procedures.
Below, we review what you need to know about whether insurance covers LASIK and the financing options offered by LASIK Experts that can help put you on the path to clear vision as soon as possible.
Important Facts Regarding Lasik Prices
While most insurance does not cover the cost of LASIK, beware of bait and switch pricing! Often an extremely low LASIK cost of $399 or $695 per eye significantly increases based on your prescription or astigmatism. QualSight’s low cost of LASIK never increases based on your prescription or astigmatism.
Many LASIK doctors only perform one type of LASIK eye surgery at the most expensive rate. Our network of more than 800 locations contains quality doctors that collectively offer every FDA-approved technology which allows for broader price ranges to meet your budget. In addition, your local optometrist may receive part of your LASIK eye surgery fees to refer you to a local LASIK surgeon. This co-managed fee is often passed to you in the form of higher pricing. Our price is set, regardless of whether or not an optometrist is involved in your LASIK care.
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Does Health Insurance Cover Lasik
LASIK eye surgery, a procedure that corrects vision and reduces or completely eliminates the need for prescription lenses. Whether you are tired of wearing glasses or you are considering working in a field where glasses or contact lenses can get in the way, you might be thinking about LASIK youre also probably wondering if the procedure will be covered by your insurance.
With any medical procedure, especially those that are elective, knowing the cost and figuring out how you are going to pay for it is crucial. After all, the last thing you want is to be surprised by an unexpected and costly bill.