Does Insurance Cover Lasik Eye Surgery – If you are considering LASIK eye surgery, you may need to dig a little deeper to find the best possible payment plan. This is because neither vision nor health insurance usually covers LASIK eye surgery, as insurers often classify it as an elective procedure. Some insurers may offer discounts for the procedure, but these discounts are plan dependent.
Start by checking with your insurance company about possible LASIK discounts. If it doesn’t provide anything, you can fund your procedure in other ways.
Does Insurance Cover Lasik Eye Surgery
Insurance rarely covers LASIK as insurers consider it an elective or cosmetic procedure. However, if your eye doctor can make the case that LASIK is medically necessary, your insurer may cover some or all of the cost. However, this is uncommon, and you should not expect your insurance to cover the cost.
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LASIK is a type of eye surgery that uses lasers to correct vision problems, specifically those caused by refractive errors, according to Cleveland Clinic.
The average cost of LASIK in the US is approximately $2,632 per eye, according to a 2020 MarketScope report.
But that cost can vary depending on your location, the technology used, the surgeon you choose, your prescription and other factors.
For example, the Laser Vision Institute reports that laser eye surgery can cost between $1,999 and $4,000 per eye, while LasikPlus indicates that LASIK costs can range from $1,095 to $2,400, depending on the type of technology used.
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It is important to compare prices before choosing a surgeon. Contact different practices in your area to get an idea of how much they charge based on your prescription, location and the technology they use.
Although LASIK is usually not covered by insurance, you have options that can help you pay for your procedure, including:
Whether LASIK is worth it for you depends on your situation. Be sure to thoroughly research the procedure and understand the risks and benefits. Talk to your eye doctor if you have any questions or concerns. Ultimately, you will have to decide for yourself if the procedure is really worth the cost and something that will really improve your quality of life.
LASIK has become popular in the US since it was approved by the FDA in 1995. A recent study in the Journal of Clinical Ophthalmology estimates that 20 to 25 million procedures have been performed in the US, with approximately 800,000 performed in 2021.
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All in all, many patients consider LASIK to be worth the cost. The FDA reports that 95% of LASIK patients were satisfied with their results.
Here’s a look at the pros and cons of LASIK to help you decide if it’s right for you.
Jess is a personal finance writer who has been creating financial and business content for over a decade. Her work is published on Investopedia, MoneyWise, NextAdvisor, The HuffPost, and more. Before freelancing full time, Jess was an editor at Investopedia, The Balance and FinanceBuzz. Connect with her on LinkedIn.
As’s home and pet insurance editor, Danny also specializes in car insurance. Its goal is to help consumers navigate the complex world of insurance purchases. One of the fastest growing and largest providers of vision benefits in the United States, EyeMed provides coverage for nearly 50 million Americans. Using EyeMed vision insurance can save you money on your vision care, and they offer many perks for their members.
How Much Does Lasik Eye Surgery Cost?
Coverage through EyeMed is provided at a low cost, and services are offered through a large network of eye care providers. EyeMed vision plans offer discounts on LASIK corrective surgery as well as premium-level eyeglass frames and specialized lenses.
EyeMed is a vision benefits company that offers vision insurance and discounts on eye care. All EyeMed plans offer coverage for a comprehensive eye exam each year, often with a co-pay. These annual exams can detect vision changes and provide you with the right level of corrective glasses when needed. They can also develop potential health and medical problems.
EyeMed vision benefits may be offered by your employer, or you may purchase them on your own. The following are some of the popular individual EyeMed plans you can purchase:
EyeMed plan offers may vary depending on where you live. By typing in your postcode here, you can find out what options are open to you.
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With EyeMed vision plans, you’ll save the most money by going through an in-network provider. You can often still use out-of-network providers; you will just generally higher costs associated with this. You can use the online provider locator to find in-network EyeMed contracted providers.
The EyeMed network includes both optometrists and optometrists affiliated with retail establishments and independent providers. Examples include optometrists associated with the following:
When you use an EyeMed in-network provider, there’s no paperwork, and care is seamless. With out-of-network providers, you’ll usually have to prepay for your services at the time of care and then submit a claim to EyeMed for reimbursement. You can use a flexible spending account (FSA) to pay some of the cost of glasses and vision care after your benefit levels are reached.
EyeMed vision benefit discounts often work much the same way as a gift card. You can usually choose anything you want, use your discount or allowance, and just pay the difference.
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EyeMed vision benefits can save you more than 70 percent on the cost of annual eye exams and prescription glasses. With EyeMed vision benefits, you don’t have to compromise on quality either. You can choose brand name frames and premium lenses that may not have been within your budget or accessible without the discount.
In addition to the eye examination every year and discounts or allowances on contacts or your first glasses, EyeMed also offers:
LASIK (laser-assisted in situ keratomileusis) and PRK (photorefractive keratectomy) are considered elective eye surgeries that can correct refractive errors such as myopia (nearsightedness), hyperopia (farsightedness) and astigmatism (misshaped corneas). Since these are generally not considered medically necessary procedures, many insurance plans do not provide coverage for them.
However, with EyeMed fish insurance benefits, LASIK is offered at a discount if you go through a surgeon within the US Laser network. When you use a featured in-network provider and EyeMed vision benefits, you may receive:
Lasik Surgery Results
EyeMed vision insurance benefits can be purchased for as little as $5 a month, and can save you hundreds of dollars each year—or even more if you’re considering corrective surgery like LASIK.
Even if you don’t need prescription glasses or contact lenses yet, it’s still important to get a comprehensive eye exam every year. This can help you keep track of any possible vision changes and also help you recognize possible medical problems, including high blood pressure, diabetes and glaucoma. EyeMed fish insurance can save you money on this eye exam and help you maintain good health.
PRK or photorefractive keratectomy is one of the safest and most proven laser vision correction procedures available. Before LASIK, PRK was the most common refractive surgery procedure. Like LASIK, it reshapes the cornea to improve vision. PRK is now mainly used for patients with large pupils or thin corneas.
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Studies have shown that 90-95% of patients with a correction of up to -6.00 diopters achieve vision of 20/40 after PRK, and up to 70% achieve 20/20. Patients who require less correction usually achieve better results. The risks of PRK include infection, haze, slow healing, scarring, over- or under-correction of the visual condition and development of astigmatism.
Photorefractive keratectomy, PRK for short, is a type of refractive surgery to correct nearsightedness, farsightedness and astigmatism. Although LASIK surgery has become more popular, PRK was actually the first type of laser surgery performed for vision correction. While both LASIK and PRK reshape the cornea to correct refractive errors, the difference is that in PRK the epithelium, the thin membrane that protects the cornea, is removed to gain access to the cornea. In LASIK, a flap is created to gain access. The necessary growth of a new epithelium can make PRK repair somewhat more involved than LASIK
PRK can correct nearsightedness, farsightedness and astigmatism. In this procedure, Dr. Maehara uses our excimer laser to reshape the cornea and correct the refractive errors.
PRK may be a better option than LASIK when a patient has thin or irregularly shaped corneas. This is because PRK does not create a flap in the corneal stroma. This may also make it a better choice for participants in contact sports or certain occupations that involve being bumped or hit in the eye. This is because the flap created in LASIK can move out of place, and with PRK there is no flap.
How Much Does Lasik Cost?
An advantage to PRK over LASIK is the elimination of the flap. This removes the chance for complications with the flap. PRK is suitable for patients with a thin cornea, while
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