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Health Insurance and Refractive or Laser Eye Surgery

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.

Recommended Related to Eye Health

LASIK Eye Surgery and Other Refractive Surgeries

LASIK surgery is one type of refractive surgery to correct vision. Refractive surgery can often eliminate the need for eyeglasses or contact lenses in people with: Nearsightedness Farsightedness Astigmatism (unevenly curved cornea) Presbyopia (age-related loss of sharp close-up focusing) Refractive surgery adjusts the eye's focusing ability by reshaping the cornea. Some people no longer need glasses or contact lenses after refractive surgery. However,...

Read the LASIK Eye Surgery and Other Refractive Surgeries article > >


WebMD Medical Reference

Reviewed by Brian S. Boxer Wachler, MD on November 06, 2013

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