LASIK is a laser surgery that corrects optical errors. It is used to correct vision defects such as myopia, hyperopia, and astigmatism. But is LASIK surgery covered by insurance? This is a question that many people ask. In this article, we explain the position of insurance companies, exclusions, and alternatives.
What is LASIK Surgery?
LASIK surgery is an abbreviation for Laser-Assisted In Situ Keratomileusis. It is a treatment method that reshapes the cornea of the eye using a laser. It is mainly performed to correct vision defects such as myopia, hyperopia, and astigmatism.
Benefits of This Treatment
- It helps to regain natural vision without the use of glasses or contact lenses.
Treatment Duration
- Only about 15 to 30 minutes.
Full Recovery Time
- The patient can return to normal activities within 24 to 48 hours after the treatment.
Cost of Surgery
- It can cost between $400 and $1000. (This varies depending on the hospital, the doctor’s experience, the technology used, etc.)
Why doesn’t Insurance Cover LASIK?
Most insurance companies classify LASIK as an “elective procedure.” Reasons why it is not covered…..
Lack of Medical Necessity
Glasses or contact lenses are sufficient to correct vision problems. Vision problems can be corrected with these conventional methods without LASIK. Therefore, it is not considered a necessary treatment.
High Cost
Laser technology is very advanced and accordingly high costs are incurred. Insurance companies are reluctant to cover this high cost.
Not for Everyone
Some people, especially those with thin corneas or certain eye conditions, cannot have LASIK. This is why it is not a one-size-fits-all treatment.
READ MORE: How to Get Insurance to Pay for Eyelid Surgery
When is LASIK Covered by Insurance?
LASIK surgery is not usually covered by insurance. However, in some special circumstances, insurance may cover LASIK to a sufficient extent.
If there is a Medical Need
You cannot wear glasses or contact lenses.
(For example, keratoconus, an eye disease that changes the shape of the eye and makes lenses unsuitable). LASIK is a medical need if you have persistent headaches or eye strain due to wearing glasses.
Occupational Requirements
For jobs such as the military and pilots, it is mandatory to have very clear vision. Sometimes LASIK is covered by insurance for such professional reasons.
Types of Insurance Plans
Some special plans in Vision Insurance may provide some coverage for LASIK.
Examples: Companies like VSP Vision Care, EyeMed.
Coverage Amount
- These usually offer coverage ranging from $200 to $600.
Alternative Payment Methods
You can use your FSA (Flexible Spending Account) or HSA (Health Savings Account) savings to cover LASIK.
How to Get LASIK Insurance?
Details on the main steps to get LASIK surgery insurance…
First, you need to contact your insurance company. Make sure your life insurance or vision insurance plan has “Refractive Surgery Coverage” (vision correction surgery coverage).
Obtaining Medical Documentation
You need to visit your eye doctor and get a medical report confirming that LASIK surgery is necessary due to your eye problem. This should include a clear explanation of your eye condition, vision impairment, and why LASIK is needed.
Pre-authorization
You need to submit these reports to your insurance company. The insurance company must provide approval before the surgery. Without this, you will not be able to get insurance.
What if you don’t Have Insurance?
When you don’t have insurance for LASIK surgery, there are alternatives to reduce the financial burden. They are…
EMI Plans
Various eye hospitals offer interest-free EMI (installment) plans for LASIK treatment.
Example: Leading medical centers like Fortis Health+, Apollo Spectra.
Discount Plans
Discounts are available for two people from the same family who undergo treatment together. Some hospitals offer 10% to 15% discount on Saturdays and Sundays.
International Treatment Options
When you get LASIK treatment done abroad like Thailand and Singapore, you can get treatment at a cost that is 30% to 50% lower than in India.
Important Questions (FAQ)
Will Vision Return after LASIK?
- Only 5% of patients will have their vision return. This can be corrected with Enhancement Surgery.
What is the Ideal Age for LASIK?
- 18-40 years (vision should be stable).
How Much is the Full Cost if There is no Insurance Coverage?
- $400 to $1000 (depending on the reputation and technology of the doctor).
How Many Days of Rest are Required After LASIK?
- 2-3 days. Avoid strenuous activities.
Conclusion
LASIK surgery is generally not covered by insurance. However, if it is medically necessary or required for work, insurance companies may provide coverage. This can also be done through FSA/HSA, EMI plans. Get a full examination by an eye doctor and choose the option that suits you!