After undergoing LASIK surgery, you may be surprised to find that coverage is not provided under your current health insurance or medical insurance plan. Many plans have tight restrictions regarding coverage for vision-related procedures. Alternatively, many health plans that don’t cover vision care now provide vision benefits as part of an insurance package. This article will discuss these benefits, along with other factors you need to know before pursuing LASIK surgery. LASIK is a type of corrective eye surgery that reshapes the surface of the eye to improve vision. It involves removing a thin layer of the cornea, the transparent front layer of the eye, with an instrument known as a microkeratome. Readers who have already undergone this surgery will likely remember the questions they had to answer before they could proceed with the surgery. However, we hope the following information will help you understand why it is important to review your health insurance plan before undergoing this procedure.

What is LASIK?

LASIK is an eye surgery that corrects the vision of people with farsightedness (inability to see objects that are far away, usually because the cornea is too curved to allow the eye to focus properly) or nearsightedness (myopia) by reshaping the surface of the eye, called the cornea.LASIK is most commonly used to correct myopia, a condition in which the eye can see distant objects clearly but struggles to see objects that are nearby. People who have nearsightedness are usually able to see objects clearly at a distance, but struggle to see objects up close without wearing glasses or contact lenses.

Why is coverage important?

LASIK is a cosmetic procedure, and most health insurance plans consider it a cosmetic surgery. As such, they will usually not cover the cost of the surgery. If your plan does not cover LASIK, you will have to pay the entire cost of the procedure out of pocket. However, the good news is that many plans now include vision benefits as part of an insurance package. This means that, if you have a vision insurance plan, the plan will pay a percentage of the costs of your LASIK surgery. If you don’t have vision insurance, you may have to pay the entire cost of the surgery out of pocket, which can be up to $10,000.

What to do if your health insurance doesn’t cover LASIK

If you do not have vision coverage through your health insurance company and if your employer does not offer vision coverage, the next step is to explore your options for supplemental vision coverage. There are several ways to get supplemental vision coverage.

What to do if your health insurance covers LASIK

If your health insurance plan covers LASIK, the next step is to make sure that your plan is approved for LASIK. Many plans have restrictions regarding LASIK coverage. For example, the plan may require you to be a certain age, pay a certain amount of money out of pocket before the insurance company begins paying, or have a specific diagnosis. If your plan is approved for LASIK, you should also check with your insurance company to make sure that they are still covering LASIK. Many insurance companies change their benefits every year, so it is important to check with your insurance company regularly to make sure that they are still covering LASIK.

Conclusion

LASIK is a type of corrective eye surgery that reshapes the surface of the eye to improve vision. It involves removing a thin layer of the cornea, the transparent front layer of the eye, with an instrument known as a microkeratome. LASIK is most commonly used to correct myopia, a condition in which the eye can see distant objects clearly but struggles to see objects that are nearby. Readers who have already undergone this surgery will likely remember the questions they had to answer before they could proceed with the surgery. However, we hope the following information will help you understand why it is important to review your health insurance plan before undergoing this procedure.