Most health insurance and vision insurance plans don’t cover refractive or laser eye surgery, but many will allow for a discount if you go to certain LASIK centers. Because laser eye surgery is elective, most health insurance companies consider it cosmetic, and not medically necessary.
Vision Care insurance companies like VSP (Vision Service Plan) EyeMed Vision Care, QualSight, and Superior Vision, provide a discount on LASIK to their members. These plans don’t guarantee their members a certain price on LASIK. Most plans give their members a percentage off of LASIK. Some plans guarantee their members that they won’t pay more than a certain amount per eye at a network provider.
ClearChoice Custom LASIK Center honors most insurance discounts. ClearChoice accepts Visa, Mastercard, Discover, and American Express. ClearChoice also offers financing via Care Credit and Alphaeon.
If you’d like to find out if your insurance discount is honored at ClearChoice, make an appointment for a free LASIK consultation, and bring your insurance card along.
Flexible Spending Accounts (FSAs) are often used to pay for laser eye surgery. These plans allow you to divert pre-tax salary into an account for out-of-pocket health care if your employer offers it. In 2018, the maximum employee contribution to an FSA is $2650. It’s likely you will have to pay a portion of your LASIK surgery by other means.
Another option is to set tax-free money aside in a Health Savings Account (HSA) to pay for LASIK surgery. To be eligible for an HSA, you must be covered by a high-deductible health plan (HDHP) at work.
In conclusion, most people don’t have coverage for laser eye surgery via their medical insurance. There are ways that costs can be reduced via pre-tax accounts and vision care insurance plan discounts. Want to find out more? Schedule yourself a free consultation today and a highly trained consultant will be able to answer all your questions about laser eye surgery for you.