LASIK Eye Surgery Costs – What Is Covered By Insurance?
The main reason that more people haven’t had corrective eye surgery is because they have no way to afford it. The fact is that LASIK eye surgery costs are astoundingly high. After making a single phone call to their insurance providers, many have learned that their required co-payments would be outrageously high. There are several ways to subsidize laser eye surgery cost, and insurance is a crucial component.
Major medical insurers, often referred to as HMOs, don’t particularly want to cover all LASIK surgery costs. Before the procedure can even be scheduled, patients are required to have a thorough examination. For patients working with highly regarded surgeons, the initial consultation can cost hundreds of dollars.
Aside from considering LASIK eye surgery costs, people also need to understand that there are very real risks involved. If your insurance company thinks that there are too many laser eye surgery risks at play because of existing medical issues, you will not be approved. This is especially true if the insurance provider views the benefits of laser surgery as being nonessential.
In general, LASIK eye surgery costs are covered when your vision cannot be improved with glasses or contact lenses. If your HMO only allows for you to go for a yearly wellness checkup, it is almost impossible to expect them to cover your LASIK surgery. What you can do is look for a supplementary insurance policy that specifically covers LASIK and other similar procedures.
Lastly, realize that your insurance company will not be swayed by positive or negative laser eye surgery reviews. If there only a couple of doctors in your network, you will be forced to work with one of them or pay for the entire cost of your surgery out of pocket.
LASIK eye surgery costs can easily be managed if you are patient. You may need to save up some money, switch medical insurance providers or look for alternative financing. What is not suggested is that you work with an inferior surgeon just so that you can get LASIK. If you have managed to go without it this long, you can definitely afford to wait until you get matched with a world class ophthalmologist.