Does Insurance Cover LASIK?

October 31, 2022 | LASIK

Many people considering laser eye surgery options like LASIK, SMILE, PRK, or LASEK often question if their insurance will cover such procedures. The good news is that a few insurance plans can include advantages that can reduce the cost of laser vision correction, but, as with most things, the details matter. There are no hidden figures or fees for the life-changing procedures we offer at ClearSight. We want all of our patients to feel informed and confident in their decision to have LASIK, and we believe in total transparency, both medical and financial. Call our office today to schedule an appointment to see if you are a candidate for LASIK.

Depending on your insurance company, the cost of LASIK for nearsightedness, far-sightedness, or astigmatism may or may not be covered. Unfortunately, some health insurance policies classify LASIK and laser vision correction as an elective procedure, which means they are not medically necessary. Because of this, health insurance companies may restrict or reject coverage for laser vision correction procedures and frequently provide benefits to help with the price of contacts and glasses. Prior to relying on conventional health insurance plans, it pays to study the small print in your insurance policy. Check with your insurance provider to see what your policy covers. Many vision insurance plans, though, might be a bit of extra assistance.

The purpose of vision insurance plans, like VSP or EyeMed, is to assist patients with eye care, including the purchase of vision correction tools like glasses and contacts. These vision plans differ slightly from traditional medical or health insurance. Benefits for consumers considering laser vision correction may include extra treatments and discounts, depending on the plan.

Some of the more significant vision insurance companies in the United States, such as Aetna, Blue Cross-Blue Shield, Cigna, UnitedHealth Group, and Humana, provide specific benefits for laser vision correction, such as:

  • Discounts on laser vision correction treatments, usually in the range of 15% to 20%.

  • Increased savings of up to 50% on procedures carried out by surgeons in-network

  • Benefits for non-prescription frames for sunglasses after vision correction

For some patients, having some insurance support with LASIK costs makes a significant impact. You can then make plans for what portion of the cost you will need to pay after you are aware of whether your insurance provides any benefits for laser vision repair.

How do you pay for LASIK if insurance doesn't cover it?

Vision correction is an investment in your quality of life and happiness. At ClearSight we offer several convenient payment options to help make LASIK affordable for everyone.

Cash or Credit Card Payments

At ClearSight, we accept cash and most major credit cards among the many payment methods we offer. Check with our office staff to see if there are any current promotions that you might be eligible for.

Patient Financing Plans

ClearSight works with a number of financial institutions to offer the best payment options with affordable interest rates to our patients. We provide the most generous LASIK financing options in the state, including low-interest payment plans that are available for up to 6 years and 0% interest for 24 months!

Tax Refunds

Many of our patients use their tax refund to pay for their LASIK procedure. Spend your refund on something that will improve both your savings and your life! LASIK is a fantastic long-term investment because it keeps on saving you money for many years.

Tax-Free FLEX plans and HSA Accounts

FLEX plans and health savings accounts are excellent options to pay for vision correction. According to the Internal Revenue Service, you can utilize your pre-tax money with your flexible spending account or health savings account to get further savings! Many people have access to Flex Plans, but few are even aware of this option. This flexible but underused perk is made available to employees by thousands of businesses in Oklahoma.

Your employer is effectively offering you a Zero Down, Zero Percent financing plan with your Flex Plan or Cafeteria Plan. With a guaranteed approval and NO credit check, you can save up to $1000* by paying with pre-tax cash.

Invest in Yourself and Your Future

LASIK Saves you Money

Did you know that if you wear glasses and contacts, you spend, on average, $1,000 a year on them? That covers all of the expenses related to their accessories, such as cases, contact lens solution, and other things.

Think about how much more upkeep contact lenses need than glasses, especially if you choose to wear daily lenses and fail to order them in advance. Think about what you could do with that money if you weren't required to spend it on eye care each year.

By opting for LASIK, you can spend less on a procedure that will pay for itself in less than five years, lower your future eye care costs and improve your visual perception. Even while the upfront expense of LASIK may make it seem like you can't afford it, consider how much you already spend on your eyewear. You'll save money if you choose LASIK, a procedure that eventually pays for itself. More significantly, you are spending money on yourself and getting improved eyesight that you can use for many years to come. Stop renting your vision when you can own it for life! Call our vision center today to schedule your LASIK eye examination and be on your way to visual freedom.

LASIK Saves You Time

Many prospective patients ask how much does LASIK cost but few ever consider the other benefits that make the investment worth it. LASIK not only helps you save money, but it also saves you time. How long have you tried to cram your morning ritual into a few minutes while putting your contacts in?

Instead of taking additional time to put in your contacts, wouldn't you prefer to spend a few minutes each morning exercising or petting your dog? Imagine a more leisurely morning or the ability to binge-watch your favorite show without worrying that you'll accidentally fall asleep in your glasses breaking them. These are just two examples of the extra time you'll gain back to do whatever you'd like after you have LASIK.

LASIK Gives You Freedom

There are countless daily duties that can be made simpler by LASIK. The inconvenience of your glasses fogging up while you drain pasta is no longer a problem in the kitchen. While working out, you won't have to be concerned about your glasses shifting or sweat running down your face and bothering your contacts.

You don't have to worry about your contacts being too dry or falling out of your eyes when you're outside. Do you have any travel plans? You won't have to worry about bringing extra glasses, enough contacts to see, your glasses breaking or getting lost, or contact solution spilling in your luggage. Additionally, LASIK reduces the elevated risk of infection brought on by prolonged contact wear. The end result is that LASIK rids you of a lot of worries that come along with contacts or glasses and gives you the freedom to live life to the fullest.

With LASIK, you can alleviate allergy symptoms that are increased when wearing contact lenses. When you put in and take out your contact lenses, you must frequently touch your eyes. This makes it feasible for you to come into contact with allergens like pollen, dander, and others along the road. By getting LASIK, you end this loop. Your need to repeatedly touch your eyes will disappear, lessening the intensity of the allergy symptoms brought on by eye contact.

LASIK is a long-term investment in your vision and your future. It is an affordable vision correction procedure that pays for itself and is cheaper than a lifetime of wearing glasses or contact lenses. At ClearSight, the number one thing we hear from our patients is that they wish they’d had LASIK sooner. So what are you waiting for? Call us now to schedule your appointment for a LASIK consultation. It's safe, effective, affordable and life-changing!


“I wish I’d done it sooner!”

The number one thing we hear from our patients is that they wish they’d had Vision Correction sooner.

So the question for you is… why wait any longer?

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