Many patients considering LASIK surgery wonder if their insurance covers the procedure. Before you schedule a LASIK consultation, know that most insurance companies won’t cover LASIK.
This means that the full-out of pocket LASIK cost is the patient’s responsibility. Keep reading to learn more about other financing options!
Which Insurance Companies Cover LASIK?
Hold up! Because LASIK is an elective procedure, insurance will not cover it in full. There are, however, some insurance companies that offer member discounts. These are possible because they have negotiated with the LASIK provider on price.
Before scheduling your LASIK consultation, it may be best to call your insurance. This allows you to find out if you qualify for an insurance-based discount. If you do qualify, you’ll pay less out of pocket on a LASIK procedure than the sticker price.
Some companies known for discounts are Davis Vision, Blue Cross Blue Shield, and VSP. If you are unsure if your health insurance offers such a member discount, we encourage you to call and find out.
Why Won’t My Insurance Cover LASIK?
The simple answer is that LASIK is not covered because it’s an elective procedure. To your insurance company, LASIK is comparable to facelifts or tummy tucks. Elective procedures like LASIK are not necessary for a patient’s health.
Contacts and glasses may be frustrating, but they provide ample vision correction. The best option is to inform yourself. While no insurance coverage may seem insurmountable, there are plenty of options.
Depending on preferences, some options include bank loans, zero-interest credit cards, and financing. Before making a decision, do some research to find out what’s best for you.
You don’t have to save up $5,000 before getting LASIK! Instead, many LASIK practices, including Loden Vision Centers aim to make it affordable. With financing, you can pay off your procedure over time and make LASIK fit your budget.
Are There Exceptions When it Comes To LASIK and Insurance?
Yes, but this does not mean that there are health insurance companies offering to cover LASIK. Instead, under special circumstances, some individuals may be able to get LASIK covered.
If you work in a job like the special forces serving the U.S. and Canada, you may qualify. Another special circumstance is for patients who can’t wear contacts or glasses.
Though rare, it is possible to have contact lens intolerance. This means that a patient cannot tolerate wearing contacts. If you suffer from severe allergies and dry eye, LASIK could be covered as well.
Keep in mind that none of these circumstances guarantee insurance coverage for LASIK. If you feel that you should have LASIK covered by your insurance, it’s something to bring up with them.
Get A LASIK Consultation!
Before starting what could be a time-consuming process, get a LASIK consultation. At Loden Vision Centers, a LASIK consultation is essential.
During this consultation, a LASIK surgeon will perform an extensive eye exam. We will also test the thickness of your corneas. This is one of the most important factors when it comes to LASIK candidacy.
Ready to start your vision journey? Contact Loden Vision Centers in Nashville for a LASIK consultation today! Visual freedom is waiting for you.