LASIK eye surgery is a popular procedure that only grows in popularity as more information about its benefits and results becomes available to the public. LASIK eye surgery is a simple and virtually painless procedure, offering a convenient way to correct and strengthen your vision. But many may wonder, does insurance cover LASIK?
With the introduction of our iLASIK procedures at Advanced Eye Medical and the office of Dr. Ghosheh, we are proud to offer blade-free laser surgery opportunities for patients looking to improve the health of their eyes.
And while many patients are lining up to schedule a consultation for the LASIK surgery process, many still want to know: is this something that is covered by health insurance? Are there payment plans available? All of this and more will be answered in the short guide below.
LASIK and Your Health Insurance
Most major insurance providers choose not to cover elective surgeries. In most cases, LASIK is still seen as elective surgery and not one that is deemed medically necessary by any specialist. Therefore, it would be difficult to obtain a referral for a LASIK procedure.
However, that does not mean you should lose hope. While it is uncommon that an insurance company will provide financial help with LASIK surgery, there are still plenty of payment plans and financing options available. At the office of Dr. Ghosheh, it is our duty to help patients as best as we can.
When Would Insurance Cover This Procedure?
There is a possibility that your primary insurance provider will cover your laser eye surgery if you meet specific criteria. Essentially, these criteria will deem the surgery medically necessary and will be able to cover all or some of the bill.
According to a synopsis by WebMD, these criteria include:
- When ou have a history of refractive errors from previous surgeries.
- You are unable to wear glasses or contacts due to a medical condition, deformity, or severe allergies.
- Experienced refractive errors because of an injury.
- You are severely visually impaired.
Even if you do meet one or more of the criteria listed above, it is still not guaranteed that your insurance provider will cover LASIK eye surgery. Unfortunately, it may have to be a long conversation between you and your provider. They want to ensure that you are getting the help you need without having to front all of the financial burden.
Payment Options
It is possible you aren’t able to receive benefits, or you need additional financial help to cover your important LASIK eye surgery. If so, there are other payment options available to help you pay for the procedure and remain financially secure.
Our LASIK and iLASIK procedures are built to be as affordable as possible. And, our friendly staff members know how to help patients find the best payment plans available. Two of our biggest plans include health savings accounts and flexible spending accounts.
A health savings account is something that you can set up with the IRS to help you save for future medical needs. The IRS has a list of requirements you need to meet to get an HSA. But, this is a good option if your current insurance plan comes with high deductibles.
You can also opt for a flexible spending account. This is something that has to be approved by your employer if there are sponsorships available. This spending account allows you certain funds to use for specific purposes. You may be eligible to use an account like this for all of your medical needs.
We also have in-house payment options available if you need to discuss further financial plans.
Treat Your Eyes the Right Way with LASIK Eye Surgery!
Insurance does not always cover LASIK. Still, LASIK eye surgery is a very helpful and necessary procedure for vision-impaired patients. If you are struggling to see, and you’d like a contact-free way to enjoy better vision, invest in LASIK eye surgery today.
Our LASIK team is happy to assist you by answering any questions or scheduling a consultation with our specialists. For more information, contact us online or give us a call at (888) 439-6565 at your earliest convenience.