If you wear glasses or contacts, you might have thought about LASIK—a surgery that can improve your eyesight. But you might also wonder: “Does insurance cover LASIK Eye Surgery?” Let’s find out what you need to know about LASIK and insurance in simple terms!
What is LASIK?
LASIK is a laser surgery that helps people see clearly without glasses or contact lenses. It’s considered an elective procedure, which means it’s usually not required for health reasons. Most insurance plans only cover surgeries that are medically necessary. That’s why LASIK is often not included in regular health insurance plans.
Does Insurance Pay for LASIK?
The short answer: Not usually. Since LASIK is elective, most health insurance plans won’t pay for it. However, there are exceptions:
- Vision Insurance Plans: Some vision insurance plans offer discounts or partial coverage for LASIK.
- Special Circumstances: If a doctor determines LASIK is medically necessary—for example, to fix serious eye problems—insurance might help.
Understanding Insurance and LASIK
Here’s a simple breakdown:
| Type of Insurance | Coverage for LASIK |
| Regular Health Insurance | Usually does NOT cover LASIK |
| Vision Insurance | May offer discounts or partial coverage |
| Medicaid or Medicare | Rarely covers LASIK; only if deemed medically necessary |
If you’re not sure what your insurance covers, check your policy or ask your provider. Some insurance plans also offer special financing options or discounts through approved LASIK clinics.
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How Much Does LASIK Cost?
LASIK can be expensive. Without insurance, this is often an out-of-pocket expense.
The cost depends on:
- Where you live
- The type of LASIK you get (standard vs. custom)
- Your surgeon’s experience
The average price is about $2,600 per eye or $4,200 for both eyes.
Here are some ways to make LASIK more affordable:
- Flexible Spending Accounts (FSA): Use pre-tax dollars to pay for medical expenses like LASIK.
- Health Savings Accounts (HSA): Similar to FSA, these accounts can help you save for LASIK.
- Payment Plans: Many LASIK clinics offer monthly payment options to spread out the cost.
Why Doesn’t Insurance Cover LASIK?
Most insurance companies see LASIK as a luxury, not a necessity. They believe glasses and contact lenses are sufficient for most people. Because LASIK is elective, insurance providers treat it like cosmetic surgery, which isn’t typically covered.
When Will Insurance Cover LASIK?
In rare cases, insurance might cover LASIK if it is medically necessary. Examples include:
- Severe Allergies to Glasses or Contacts: If wearing glasses or contacts causes serious problems, LASIK might be approved.
- Serious Vision Problems: Conditions that can’t be corrected with glasses or contacts might qualify for coverage.
Even in these cases, insurance companies require strong proof from your doctor. It’s always good to check with your insurance provider to understand their requirements.
Benefits of Vision Insurance for LASIK
Some vision insurance plans make LASIK more affordable by:
- Offering discounts for LASIK at approved clinics.
- Providing partial coverage for surgery.
- Connecting you with LASIK providers who offer payment plans.
Popular insurance providers that may offer LASIK discounts include:
| Insurance Provider | Discounts on LASIK | Additional Benefits |
| VSP (Vision Service Plan) | Yes | Discounts on glasses and exams too |
| EyeMed | Yes | Network of approved LASIK providers |
| Aetna | Yes | May offer flexible payment options |
| Humana | Yes | Potential rebates for using in-network clinics |
Is LASIK Worth It?
For many people, LASIK is life-changing. Here are some benefits:
- No More Glasses or Contacts: Save time and money on buying new lenses or frames.
- Clear Vision: Enjoy activities like sports or swimming without worrying about glasses.
- Long-Term Savings: Although expensive upfront, LASIK can save money in the long run compared to buying glasses or contacts for years.
However, the decision depends on your budget, insurance options, and personal needs. Talking to a LASIK specialist can help you decide if it’s right for you.
Things to Remember About LASIK and Insurance
- Most regular health insurance plans don’t cover LASIK.
- Vision insurance might help with discounts or partial payments.
- You can use FSAs or HSAs to save on LASIK costs.
- Always review your insurance policy carefully.
- Talk to your LASIK clinic about payment options and special offers.
By understanding how insurance works and exploring all payment options, you’ll be better prepared if you or your family ever consider LASIK in the future.
Also Read: How to Price a Business for Sale
How to Save Money on LASIK Eye Surgery: Tips and Tricks
Getting LASIK surgery to improve your vision can be expensive, but there are ways to save money! Let’s explore how to make LASIK more affordable.
What is the full form of LASIK?
LASIK (Laser-Assisted In Situ Keratomileusis) is a type of eye surgery that uses a laser to reshape your cornea. This helps fix vision problems like:
- Nearsightedness (can’t see far away)
- Farsightedness (can’t see up close)
- Astigmatism (blurry vision due to uneven eye shape)
After LASIK, most people don’t need glasses or contacts anymore!
Why Doesn’t Insurance Cover LASIK?
Health insurance doesn’t usually pay for LASIK because it’s considered an “elective” procedure (something you choose to do, not something that’s medically necessary).
But don’t worry! There are other ways to save on the cost.
5 Ways to Save Money on LASIK
- Check for Discounts
Some vision insurance plans offer discounts on LASIK. For example:
- Aetna: 15% off retail prices
- EyeMed: Up to $800 off
- VSP: Save up to $1,000 through their Laser VisionCare Program
Also, organizations like AAA or AARP may have deals. Ask your employer or check your benefits!
- Use an FSA or HSA
If your job offers an FSA (Flexible Spending Account) or HSA (Health Savings Account), you can use these accounts to pay for LASIK with tax-free money.
- HSA: Rolls over money every year, and you can invest it.
- FSA: “Use it or lose it” by the end of the year (but some companies offer a grace period).
- Explore Financing Options
Many LASIK providers have payment plans to help spread out the cost. Some offer:
- Low-interest or no-interest loans
- Monthly payments that fit your budget
- Use Bonuses or Extra Cash
Think about using unexpected money, like:
- Tax refunds
- Work bonuses
- Gifts from family
You can save these funds to help pay for your surgery.
- Be Careful with Cheap Offers
Some clinics advertise super low prices, but these might not include everything (like follow-up visits). It’s better to choose a trusted provider with clear pricing.
Quick Tip: LASIK is Tax Deductible!
LASIK is considered a medical expense, so you might be able to claim it on your taxes if your total medical costs are high enough. Ask a tax expert for advice.
Is LASIK Worth It?
Although it’s a big expense upfront, many people find LASIK is worth it because it improves their vision and saves money on glasses and contacts in the long run.
