Lasik surgery is a common procedure done on patients of all ages. The procedure helps those who suffer from myopia and hyperopia to gain normal vision without requiring lenses. This procedure is available in most American hospitals. Many patients often find themselves in a dilemma before and after a Lasik surgery, especially when it comes to payment. Such circumstances can raise the question as to whether Lasik surgery is part of the health insurance. This post will reflect on the basics of this problem and look at what it means to patients.
Most insurance companies do not cover Lasik surgery in health insurance
Insurance companies in America consider Lasik surgery a cosmetic procedure. They do not include it in the overall health insurance and do not cover it in any other plan. Their point of argument is that if you can comfortably wear lenses to improve vision, then the procedure is not a medical necessity. Therefore, you must always ask your insurance company before you go for a Lasik surgery. This is the only way you can determine whether there are additional plans that can cover a Lasik procedure.
If your insurance company does not cover Lasik, there are other ways to use your present coverage to lower the costs of Lasik.
Many big insurance companies negotiate with their customers to provide them with courtesy discounts. Never assume that the price tag you see at the hospital is what you will pay because it is possible to get insurance-based discounts that might help you pay for the procedure at a lower rate.
Getting an insurance to cover Lasik
There are special circumstances where your insurance can cover a Lasik surgery. For instance, people who work in military and other governmental organizations can qualify for Lasik if their vision problems lower the quality of work they do. However, this requires surgery in special facilities managed by the company you are working for. In the case of the military, you will get treatment from a military facility. In this case, not everyone can qualify for the coverage.
Those who take part in sports such as professional athletes and footballers can also get their insurance to cover Lasik. You can contact your insurance company and present your case indicating that the procedure is necessary for your work demand. Such cases are lengthy and involve a lot of paperwork. Hence, it is wise to get a lawyer to present the case on your behalf.
The last option requires you to be honest. If you are in a profession like firefighting or police, you can persuade your insurance company to cover Lasik so that you can be in a position to do your work well. You may also qualify for Lasik if you are intolerant to glasses, or you have dry eyes and severe allergies. You need to be honest because your insurance company will most likely order a test to determine whether your claims are true.
What if you don’t qualify for a Lasik coverage?
There is no need of panicking if you don’t qualify for a Lasik coverage. Some payment options can make the procedure affordable. You can go for credit financing with Care Credit or Wells Fargo. If you are employed, ask the HR about a flexible spending account that can allow you to set pre-tax dollars to pay for additional medical expenses. You can also arrange with the local medical schemes for patients who cannot shoulder the full cost of Lasik. Most of these schemes have monthly payments plans payable through trusted channels.
You can also explore other options if you are completely unable to pay for Lasik. Ask about conventional eye care options in your state.