Health insurance usually doesn't cover the cost of refractive or laser eye surgery, but some companies will pay the bill if certain criteria are met. Still other insurance companies that offer a vision plan may provide partial coverage for laser eye surgery. Because laser eye surgery is usually an elective surgery, many health insurance companies consider it cosmetic and not medically necessary. Certain conditions under which medical insurance plans might cover refractive or laser eye surgery include:
Eye surgery for refractive errors that are a result of an injury.
Eye surgery for refractive errors that are a result of surgery.
Eye surgery for severe refractive errors. However, there is no standard level of impairment at which insurance will cover correction. Insurance coverage under these circumstances is generally very inconsistent and individuals should check with their provider.
Eye surgery when a patient is not only unable to wear glasses due to physical limitation (such as an allergy or deformity) but cannot wear contacts due to physical limitation (lens intolerance).
Check with your insurance company to determine if you are enrolled in a plan that provides benefits.
During a cornea transplant, an eye surgeon removes a portion of your cornea and replaces it with a new section of cornea from a donor.
The procedure is also called a corneal transplant or a keratoplasty. About 40,000 cornea transplants are performed in the U.S. every year.
You may need a cornea transplant if your cornea no longer lets light enter your eye properly because of scarring or disease.