Most large health insurance and vision plans do not typically cover LASIK eye surgery. LASIK is considered a cosmetic procedure and insurance any coverage will vary depending on whether monthly premiums are set aside to cover the procedure.
Vision insurance, in a nutshell, is meant to make our lives easier. But for those interested in having LASIK eye surgery, vision insurance may not offer much help. Nearly all vision insurance providers view LASIK as an elective surgery, which disqualifies it from being covered.
This begs the question “Does insurance cover LASIK?”
Traditionally, insurance companies considered LASIK eye surgery an elective surgery and not a medical necessity. Most elective procedures are not covered by insurance. However, these policies are starting to change, and some vision insurances now offer discounts on LASIK.
There are several vision health plans offering insurance coverage for laser vision correction. This is not a comprehensive list as benefits and plans vary from state to state. It is always important to shop around and check with multiple insurance providers before purchasing your vision insurance.
Here is what our research found. you may receive 40 to 50 percent off traditional LASIK surgery. Keep in mind that your primary health insurance may contract with some of these vision plans to offer coverage. If you already have health insurance, you can contact the company to see if they also provide vision coverage.
Can you afford LASIK eye surgery?
If your laser vision doctor has confirmed that you are a good candidate for LASIK eye surgery, you may now be wondering how you can afford the procedure. While the price tag for better eyesight can be overwhelming, there are four ways to lower costs and make LASIK eye surgery more affordable. Does your insurance plan cover LASIK?
The next thing we wondered was, can I pay for LASIK with an HSA?
Some have found that however, you can set up an HSA, which stands for Health Savings Account. You can use your HSA to pay for LASIK, eye exams, and other eye care procedures.
Does VSP cover LASIK surgery?
VSP LASIK coverage While VSP vision insurance doesn’t claim to cover LASIK surgery, the insurance carrier does offer a VSP Laser Vision, and care program. This program is available to most VSP members and offers benefits that may help with the cost of LASIK. Want to learn more?