It seems rather important that our eyes be at their ocular best. Daily functionality, education & learning, workplace efficiency, safety, social interactions, health & well-being, confidence & self-esteem and mental health are not only fundamental aspects of maintaining a successful and fulfilling life, but they also rely on the sense of sight to do so. Struggling to see clearly can significantly limit any one of these critical functions. If your vision is compromised by refractive errors like myopia, hyperopia or astigmatism, prescription glasses or contact lenses can offer an easy fix. However, the only permanent solution to correcting vision is by laser eye surgery. While there are several types of laser eye surgery, and each option has its pros and cons, including suitability based on individual factors such as age, eye health, lifestyle and specific vision needs, LASIK rates high on the list of popular choices. 

Is LASIK covered by insurance? Insurance companies often do not cover procedures like LASIK for several reasons. LASIK is considered an elective or cosmetic procedure. While it does offer lifelong vision correction, the argument can be made that glasses or contacts are able to achieve the same result, so insurance will classify LASIK as an elective enhancement versus a medical necessity. Procedures deemed medical necessities require proof that the treatment cures or manages a health condition rather than improving convenience and quality of life which are core benefits of LASIK. The request for insurance coverage may also be denied for cost containment. Elective procedures such as LASIK significantly increase costs for insurance companies so to keep premiums and other costs manageable, LASIK is typically excluded from being covered, especially because non-surgical, readily available and less expensive alternatives for correcting vision like glasses or contacts are viable options for vision correction. 

If LASIK is not covered by your insurance, you may find other strategic options at your disposal. Review your insurance policy thoroughly; while the entirety of the surgical cost may not be covered, some insurance companies offer partial coverage or reduced rates through specific providers. If you can demonstrate that LASIK is in fact a medical necessity such as extreme allergies or an occupational requirement, your doctor may help support your case to your insurance provider. Additionally, your employer may offer a flexible spending account (FSA) or a health savings account (HSA) to utilize your pre-tax income to save for a LASIK procedure. If your insurance initially denies your coverage, try filing an appeal. Persistence is key. Sometimes direct negotiation with the insurance company or LASIK provider can yield results of better discounts and payment options. 
With or without insurance, LASIK is an investment in the quality of your eyesight for a lifetime. The upfront cost can be offset by savings on eyewear and related expenses over time, making it cost-effective in the long run. To learn more about LASIK benefits, visit WEBSITE. To schedule a LASIK eye exam, call The Eye Clinic Surgicenter at 406-252-6608.