(Updated December, 4th 2024) One of the most frequently asked questions about LASIK surgery is regarding the cost of the procedure and the payment options available. What is the cost of LASIK, and is it covered by insurance?
Does Insurance Cover LASIK?
In most cases, LASIK is considered an elective procedure, which means it typically isn’t covered by insurance. However, some insurance companies may offer partial coverage or discounts for LASIK surgery. It’s always worth inquiring with your insurer to see if they offer any LASIK discounts or special arrangements.
Insurance Coverage for LASIK Surgery
While many insurance providers don’t cover LASIK surgery, some may provide discounts if the procedure is performed through specific LASIK providers. This “courtesy discount” can help lower the overall cost of the procedure, so it’s a good idea to check with your insurance company to see if this option is available.
In some cases, LASIK may not be considered purely cosmetic, and you may be able to get coverage if you meet certain criteria. Insurance companies may agree to cover LASIK if specific medical conditions or circumstances apply, but these situations are rare.
When Might Insurance Cover LASIK?
Although uncommon, there are certain instances where LASIK may be covered by insurance. For example, military personnel who meet vision requirements may have LASIK covered, typically within a military facility. First responders, such as police officers and firefighters, may also be eligible for LASIK coverage, depending on the specific insurance policy and job-related needs.
Additionally, if you have a profession that relies on perfect vision, such as actors, athletes, or other high-visibility professionals, your insurer may consider LASIK a necessary procedure. Certain medical conditions, like severe dry eye or contact lens intolerance, may also make LASIK eligible for insurance coverage in some cases.
What if Insurance Doesn’t Cover LASIK?
If your insurance doesn’t cover the cost of LASIK, there are still plenty of options to help you pay for the procedure. Many LASIK centers offer flexible financing plans that allow you to pay over time, and tax-advantaged accounts such as Health Savings Accounts (HSA) or Flexible Spending Accounts (FSA) can help you save on a pre-tax basis for medical procedures, including LASIK.
If you’re concerned about the cost, consulting with your LASIK provider and a financial advisor can help you determine the best way to finance your surgery within your budget.
Want to Learn More?
Ready to learn more about the cost of LASIK and available financing options? Start by scheduling a free consultation with your local LASIK center. During this consultation, you’ll have the opportunity to speak with experts, explore your financing options, and get answers to any other questions you may have about LASIK surgery. To get started, simply call your LASIK center or fill out the quick contact form on this page.
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