An alternative to wearing corrective lenses for people who are far-sighted, near-sighted or astigmatic is Lasik surgery.
Perhaps you’ve considered Lasik surgery and wondered if your vision insurance would cover the cost of the procedure. There is no “cut and dry” or simple answer. The answer will vary across vision insurance providers. Vision insurance providers include different benefits in their plans, so you should carefully review your policy to determine if Lasik surgery is covered.
Most Lasik eye surgeons charge between $1,500 and $2,500 per eye. Different types of Lasik surgery could be more expensive. For example, Wavefront Lasik with IntraLase, usually costs more than Lasik with a bladed microkeratome. Consult your doctor to determine which procedure is right for you.
Unfortunately, most people cannot easily afford to pay several thousand dollars for an elective eye surgery without an insurance plan that will cover at least some of the costs. Since Lasik is categorized as an elective procedure and not detrimental to the health of a patient, many vision insurance plans do not cover Lasik surgery.
If your insurance company does not offer Lasik surgery as a benefit you should realize that paying for it out of pocket could actually help you save money in the long run. Yes, you will have to pay a lot upfront for the surgery, but you can also save on prescription lenses and frames that you would have to buy for the rest of your life.
There are some vision insurance plans that will pay for the total cost of Lasik surgery. While others will pay only a portion of it. Of course either of these benefits makes the procedure much more affordable.
Some companies will cover the surgery but only after you have had the insurance for a certain amount of time. Providers do not want their customers to sign up for the insurance, have the surgery and then drop their insurance coverage immediately. The benefit is extended to long time customers. Plans that do cover a portion of the surgery’s cost emphasize how important it is for those who undergo Lasik surgery to continue getting regular eye exams in order to maintain health.
Always check your policy for benefits.