02 Jan 2019

Does Vision Insurance Cover LASIK Eye Surgery?

Does Vision Insurance Cover LASIK Eye Surgery?

According to the Vision Council of America, approximately 75% of adults use some sort of vision correction. If you’ve worn glasses or contacts all your life, you understand how appealing the prospect of going frame and lens free really is. Although this is a largely cosmetic concern for many, for others, glasses can get in the way of carrying out work tasks, while contacts irritate the eyes after years of use. 

The cost of more permanent solutions, however, such as LASIK eye surgery can be a barrier. The average cost of LASIK surgery in the US in 2017 was $2088 per eye, and while 41% of refractive surgeons offer special financing and payment plans to make LASIK more accessible, it’s only natural for health plan holders to wonder if insurance might cover any part of their LASIK surgery.

Vision insurance and LASIK coverage

Vision insurance may be of some help with covering the cost of your LASIK procedure. However, vision benefits are designed to reduce a patient’s costs related to routine preventative eye care, and this mostly relates to eye exams and prescription eye wear, although some plans do offer additional savings. 

Some of the larger vision insurance carriers offer specific laser vision correction benefits including: 

  • discounts on laser vision correction procedures, 
  • discounts of up to 50% on procedures performed by in-network surgeons, 
  • and frame benefits for non-prescription sunglasses after vision correction surgery. 

Regardless of your insurance plan, you should anticipate paying for at least part of the cost of a LASIK procedure.

Do Employee Benefit Plans Cover LASIK?

While in the past, many employee benefit plans provided vision care packages that covered the cost of glasses and contacts, laser vision correction was never on this list. Now, however, more companies are offering either full or partial coverage for vision correction procedures. However, because LASIK isn’t considered a medical necessity, rarely is its entire cost covered. 

Rare cases in which medical insurance plans might fully cover refractive or laser eye surgery include: refractive errors resulting from an injury, from surgery, or particularly severe refractive errors. However, coverage under these circumstances is generally inconsistent and you should always check with your provider first. Rare cases aside, some employers do actually make arrangements with a given LASIK center for a special price, so that their employees might benefit. 

Additionally, some large employers offer subsidized health plans that cover partial LASIK costs. If you work for a major company, do inquire about possible benefits that might cover corrective eye surgery!

Speak to a licensed HealthQuoteInfo agent at 1-855-614-5057 to find out all about your LASIK and other vision correction coverage options today!

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