The direct answer for this question is no. No insurance company offers insurance completely for Lasik eye surgery, because it is not medically necessary procedure, as it is an elective or cosmetic procedure. However, some of the Lasik patients can be benefited from the insurance companies in some ways or partially.
Insurance Company Offers
Some major insurance providers offer various discounts in the form of ‘courtesy discounts’ to pay for Lasik laser eye surgery, partially. Some insurance companies have clear standards set and pay partially accordingly. So far no insurance company makes it clear that it offers insurance for LASIK surgery directly. The companies may pay, but the specifications are too confined.
Though specifications are too confined, the following are the conditions, where the insurance providers provide financial support either completely or partially.
- In case the Lasik patient serves in military, along with meeting the pre-determined requirements of the vision, then insurance coverage is assured for them.
- One more professionals qualified for the insurance support are law enforcement professionals and first responders. However, it depends on the severity of the cases.
- Though the patient is not from the above specified careers, still there is a possibility to get qualified, if one is from the sports, entertaining and acting professionals and convince the need for Lasik for the profession, to the insurance provides.
- Other possibility to get qualified for insurance for Lasik is certain medical conditions, such as contact lens intolerance, allergies or severe dry eye conditions are the cases.
So far no insurance company announced that it can offer financial support for Lasik patients. However, based on the severity and Lasik being last alternative, the patient can convince the provider.
Financial Support By Other Than Insurance
Don’t worry, if insurance is not possible to get the support financially, as there are other financial supporting provisions. There are tax-saving tools, like Flexible Spendign Account and Health Savings Accounts can allow to save necessary financial resources for Lasik needs on the basis of pre-tax.
On the other hand, some of the Lasik centers also offer options for financial support, so that the pay is not spent on one go, but paid in multiple terms. So, after you plan for Lasik, the best way is to meet your financial advisor and take go for the best financial support option.
So, one thing is very clear that getting the insurance financial support is very hard, except for the people, who are in specific professions. And so far no insurance company has clearly mentioned that it can compensate the expenses of Lasik completely for any insurance seeker.