03 May 2017

Is Laser Eye Surgery Covered by Insurance?

Is Laser Eye Surgery Covered by Insurance?

If you have glasses or have been wearing contacts or awhile, you may be looking for better ways to correct your vision problems. You’ve likely heard of a variety of laser eye surgery options, but your insurance might not be clear on whether or not laser eye surgery is covered as part of your health plan.

LASIK may not be covered fully by your insurance, but there are ways to make sure you don’t have to pay the full price of laser eye surgery. LASIK is generally considered to be an elective surgery, since people can correct their vision using glasses or contacts. Contact prescriptions change and can be expensive, and glasses can break or wear out. Having laser eye surgery can make your life easier and give you one less thing to worry about when it comes to your health.

Insurance companies and laser eye surgery

Most insurance companies won’t cover laser eye surgery, because it is considered a cosmetic or elective. However, there are ways your insurance can help cover laser eye surgery. Some insurance companies are beginning to include LASIK as part of their insurance offerings because of the popularity of this kind of procedure.

Many insurance companies can offer their policy holders discounts on laser eye surgery because of agreements they have with LASIK providers. Make sure to talk to your health insurance agent about discounts you could receive for laser eye surgery if this is something you want to do in the future.

Your insurance could cover all or part of your laser eye surgery costs if you have a certain job. If you are in the military, you may be able to qualify for LASIK if you meet other vision requirements. Having proper vision without glasses or contacts could be extremely beneficial for people serving in various branches and capacities of the US military.

If you aren’t in the military, there may still be ways to get your laser eye surgery covered. If you are an actor, entertainer, or athlete, you may be able to convince your insurance company that laser eye surgery is essential for being able to do your job more effectively and efficiently. This can involve a lot of paperwork, but you could end up getting your insurance to cover your LASIK.

Finally, people who work in other civil service jobs may qualify for discounts on laser eye surgery, too. If you are a police officer or fire fighter, having LASIK could help make it easier to do your job without worrying about glasses or contacts.

Additionally, if you experience medical conditions related to your glasses or contacts, such as contact lens irritation, dry eyes, or severe allergic reactions, your insurance may help cover you for laser eye surgery.

Document your conditions

As with any other insurance claim, make sure to provide documentation about how your glasses or contacts affect your job or your health. Having evidence to support your need for laser eye surgery can dramatically help your case when you are petitioning your insurance agent for discounts on LASIK.

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