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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. Some insurance companies offer a vision plan which may provide a discounted price or apparent partial coverage for laser eye surgery. Because laser eye surgery is an elective surgery, many health insurance companies consider it cosmetic and not medically necessary. Certain conditions under which medical insurance plans might in rare circumstances 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. You may have to cover the costs as an out-of-pocket expense or with your flexible spending account or health savings account.

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    By Amanda GreeneLearn how to keep your vision strong March is National Save Your Vision Month, which is a good reminder not to take healthy eyesight for granted. “When you’re seeing well and have no irritation, it’s easy to forget about going to the eye doctor,” says Pamela Lowe, OD, FAAO. But preventing eye disease is so important—often, if you wait until you notice a problem, it can be too late. Luckily, there are plenty of simple things you can do each day to keep your sight in tip-top shape...

    Read the 10 Tips for Healthy Eyes article > >


    WebMD Medical Reference

    Reviewed by Arefa Cassoobhoy, MD, MPH on March 07, 2016

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