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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

Children's Vision and the New Classroom Technology

Today's teachers make full use of computers, interactive whiteboards, digital devices, and even 3D technology to enhance the learning environment. Forty percent of teachers use computers for instruction, and at least one computer is in 97% of all American classrooms. That adds up to a lot of screen time for kids who also watch TV or play on the computer at home. But is it harmful to a child’s vision? Parents are worried. Nearly a third say they’re concerned that computers and handheld electronics...

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WebMD Medical Reference

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

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