Will Health Insurance Help Pay for LASIK Surgery?

March 29, 2013 — by Dr. Gregory Stainer
Tags: Lasik Health Insurance Refractive Surgery Eye Care

Does Vision Insurance Cover LASIKLASIK surgery is one of the most popular surgeries out there for people who suffer from refractive errors, reducing the dependence on corrective lenses for those who suffer from myopia (nearsightedness), hyperopia (farsightedness), and astigmatism.

Many patients who visit our Bakersfield laser eye surgery center often ask if their LASIK surgery will be covered by their health insurance provider. Since we receive those kinds of questions relatively often, we'd like to take an opportunity right now to look at the basics of this issue and then look at what it means for you.

Will insurance cover LASIK surgery?

In the vast majority of cases, health insurance providers will not cover LASIK surgery. That said, it's always important to double check with your health care provider before stopping by our laser vision correction centers in Bakersfield. Policies do vary, and while rare, it's not out of the question for LASIK surgery to be covered.

Why won't insurance cover my LASIK surgery?

LASIK surgery is considered an elective procedure rather than a medically necessary one. In most cases, vision plans will help cover the cost of corrective lenses rather than LASIK.

Are there any exceptions to this?

Yes, though again, it will vary depending on the insurance provider. Some cases in which insurance covers LASIK include:

  • LASIK for people who are unable to wear eyeglasses due to disability or injury
  • LASIK for refractive errors caused by injuries
  • Corrective LASIK surgery for previous eye surgeries
  • LASIK for very severe refractive errors

As you can see, these are very unique circumstances, and in each case, the LASIK is deemed medically necessary for the patient's needs rather than just an elective procedure.

Check with your insurance provider to find out if any exceptions are covered for LASIK under your policy. If you believe that you qualify for one of the exceptions, you should find out exactly what the insurance company needs from your physician and our LASIK team in order for the claim to be approved.

Paying for LASIK Without Insurance

Since LASIK can be cost prohibitive for some, many patients who are unable to shoulder the full cost of Bakersfield LASIK ask if there are any special payment arrangements that can be made. To be as accommodating as possible, our team offers monthly payment plans through a trusted third party. These kinds of payment plans are similar to credit cards in many ways. For many households, this helps make LASIK and clearer vision a reality.

Alternatives to LASIK Eye Surgery

While payment plans can help people pay for LASIK, there are other kinds of options to keep in mind as well. Traditional general eye care treatments as well as state-of-the-art eye surgery options can be discussed in greater detail during your visit to our practice so that we can ensure that you see clearly. Whether you wind up getting glasses or undergoing an alternative surgery, rest assured that we will have your best interests in mind each step of the way.

Learn More About Advanced Vision Correction Options

To learn more about laser eye surgery and the latest in vision correction technology, be sure to contact our Bakersfield LASIK eye surgeons today. The entire team here looks forward to meeting you in person and going over all of your options for expert care.

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