Would insurance cover LASIK?

Considering LASIK eye surgery can be an exciting step towards achieving clear vision without the hassle of glasses or contact lenses. However, one of the most common questions that arises is whether insurance will cover the cost of LASIK. Understanding your insurance options and the potential out-of-pocket expenses can help you make an informed decision. Here’s a comprehensive look at LASIK coverage and how you can determine your eligibility.

What is LASIK?

LASIK (Laser-Assisted In Situ Keratomileusis) is a popular surgical procedure that corrects vision problems such as myopia (short-sightedness), hyperopia (long-sightedness), and astigmatism. By reshaping the cornea, LASIK allows light entering the eye to be properly focused onto the retina, resulting in clearer vision. The procedure is quick, usually taking about 15 minutes per eye, and most patients experience significant improvement in their vision within a few days.¹Saragoussi JJ, Djadi-Prat J, Lebuisson DA, et al. Quality of life after LASIK: part II. Quality of life and satisfaction of a population of patients treated with LASIK [in French]. J Fr Ophtalmol. 2011;34:294–302.

Does Insurance Typically Cover LASIK?

In most cases, LASIK is considered an elective procedure. This means it is not usually deemed medically necessary by insurance companies, and therefore, they often do not cover the cost. However, there are exceptions and potential ways to reduce the financial burden.

When Might Insurance Cover LASIK?

While standard health insurance plans typically do not cover LASIK, there are specific circumstances and insurance policies that might offer coverage or partial reimbursement:

Some health insurance plans offer discounts on LASIK or cover a portion of the cost. It’s worth checking with your health insurance provider to see if they have any benefits related to LASIK surgery.

Exploring Financing Options

If your insurance does not cover LASIK, many clinics offer financing plans to make the procedure more affordable. These plans can spread the cost over several months or years, allowing you to pay in manageable installments. Be sure to ask about interest rates and terms to find the best financing option for your situation.

Additional Ways to Save on LASIK

Here are some additional tips to help reduce the cost of LASIK:

• Shop Around: Prices can vary significantly between clinics, so it’s worth getting quotes from multiple providers to find the best deal.
• Consider Bundle Packages: Some clinics offer comprehensive packages that include preoperative consultations, the surgery itself, and post-operative care. Bundling these services can often be more cost-effective.

Is LASIK Worth the Investment?

While LASIK can be a significant financial commitment, many patients find it worthwhile due to the long-term benefits. These include improved vision, reduced dependence on glasses or contact lenses, and a better quality of life. Additionally, the cost of glasses, contact lenses, and associated supplies can add up over time, making LASIK a cost-effective solution in the long run.

Take the Self-Test

Curious if LASIK is right for you? Take our quick and easy self-test to find out if you might be a good candidate for LASIK. Our self-test will help you understand your options and prepare for a consultation with our team.

While insurance typically doesn’t cover LASIK, there are several ways to make the procedure more affordable. From exploring vision insurance benefits and using FSA or HSA funds to considering financing options and promotions, you can find a solution that fits your budget.

Our team at our refractive clinic in Brisbane is here to guide you through the process and answer any questions you may have. Don’t wait—start your journey to clearer vision now!