Are you considering laser eye surgery but worried about whether it’s covered by your insurance? If you’re like most people, then yes. The majority of health insurance plans cover laser eye surgery. However, there are a few details you should know before undergoing this procedure. Keep reading to learn more about laser eye surgery and whether it’s covered by your insurance plan.
What is laser eye surgery?
Laser eye surgery is a procedure that reshapes the cornea (the transparent layer at the front of the eye) to improve vision. There are two types of laser eye surgery: corneal laser surgery and refractive laser surgery. Corneal laser surgery is used to treat conditions such as dry eye and irregular corneal shapes. Refractive laser surgery, also known as Lasik, is most commonly used to treat vision disorders like nearsightedness and farsightedness. This procedure reshapes the cornea to improve vision. Both types of laser eye surgery are performed by a surgeon using a laser to reshape the cornea.
Which is covered more?
The vast majority of health insurance plans cover both types of laser eye surgery. However, some health insurance providers offer different levels of coverage. The amount of coverage offered by your insurance plan will depend on the type of policy you have. Here’s a breakdown of which type of laser eye surgery is covered more:
Corneal laser surgery is often covered at a higher rate than refractive laser surgery. This is because corneal laser surgery is used to treat more serious conditions. However, some insurance providers offer the same level of coverage for both types of laser eye surgery.
If you have a vision insurance plan, it’s likely that it covers both types of laser eye surgery. Vision insurance plans are designed to help people see better, and laser eye surgery is a way to help improve your vision.
Which is less expensive?
Laser eye surgery is a long-term investment, and you’ll need to maintain eye health to keep your vision. This means you’ll need to continue using eye drops to treat dry eye, and you may need to wear glasses or contact lenses for reading. If you have a vision insurance plan, you may be able to save money by getting your laser eye surgery covered by your plan. Insurance plans often offer lower out-of-pocket costs for laser eye surgery, which can help you save money in the long run. If you have a health insurance plan, you’re likely eligible for a discount on your laser eye surgery. You can also get a discount by paying for your laser eye surgery out-of-pocket.
How to know if your insurance covers laser eye surgery
The best way to find out if your insurance plan covers laser eye surgery is to check your insurance policy. You can do this by logging into your online account or calling your insurance company. If you’re not sure how to find your policy, you can use this list of questions to find out if your insurance covers laser eye surgery:
Does your insurance cover eye exams? If so, how often? Do you need to see an eye doctor before having laser eye surgery?
What is the cost of laser eye surgery? What is your out-of-pocket limit for this procedure?
Is there a waiting period before laser eye surgery is covered?
Laser Eye Surgery FAQ’s
- Does laser eye surgery hurt? - No, laser eye surgery is a minor procedure that doesn’t require any stitches. Laser eye surgery is performed under local anesthesia, so you’ll only be awake for a few seconds during the procedure.- How much does laser eye surgery cost? - The cost of laser eye surgery varies depending on the type of procedure and your location.- How long does laser eye surgery take? - The length of time it takes to complete the procedure is different for each patient, but it generally takes 30-60 minutes.- Can I still drive after laser eye surgery? - Yes, you can drive after laser eye surgery. It’s recommended that you don’t drive for a few days after your procedure, however.- What is the recovery time for laser eye surgery? - The length of time it takes to recover from laser eye surgery varies from person to person.- What happens if laser eye surgery doesn’t work? - If you have laser eye surgery, you can expect to see results within a few days. If your vision doesn’t improve after a few weeks, it’s important to see an eye doctor.- Can I have laser eye surgery if I wear contacts? - It’s best to remove your contacts before laser eye surgery to reduce the risk of complications.
Bottom line
Laser eye surgery is a great way to improve your vision, and it’s likely that your health insurance plan will cover the procedure. Before undergoing laser eye surgery, make sure you check your insurance policy to see if it covers this procedure. If so, you can get the procedure done at a discounted rate.