Key Takeaways:

• Vision insurance usually doesn’t cover LASIK as it’s considered elective, though some plans offer discounts through partner providers, helping reduce costs. 
• Alternative payment options for LASIK include using Health Savings Accounts (HSAs), Flexible Spending Accounts (FSAs), and financing plans from LASIK providers, making the procedure more affordable. 
• Weighing the costs and lifestyle benefits, LASIK can provide long-term savings by reducing eyewear expenses and enhancing convenience and quality of life. 

Most vision insurance plans do not cover LASIK surgery, as it is generally considered elective and aimed at enhancing convenience rather than addressing a critical health need. However, some plans may provide partial savings through discounts or partnerships with specific LASIK providers. This article explores how vision insurance may support LASIK, alternative payment options, and factors to consider when weighing the costs and benefits of the procedure. 

What is LASIK and Why It’s Considered Elective 

LASIK, or Laser-Assisted In Situ Keratomileusis, is a laser-based eye surgery that corrects vision issues like nearsightedness, farsightedness, and astigmatism, often reducing or eliminating the need for glasses or contacts. It’s classified as elective because it’s generally not medically necessary, focusing on convenience and lifestyle enhancement rather than addressing critical health concerns. Insurance rarely covers LASIK in full, though some plans may offer partial savings options. 

How Vision Insurance Typically Works 

Vision insurance usually covers routine eye care like annual exams, eyeglass frames, and contact lenses, but it generally excludes elective procedures like LASIK. Since LASIK is a non-essential, corrective surgery, it often falls outside standard vision plan benefits. 

For medically necessary treatments—such as glaucoma, dry eyes, or diabetic eye exams—medical insurance, rather than vision insurance, typically covers the costs. Some vision plans offer LASIK discounts or financing options through partner providers, which can help reduce costs for those interested. 

How Vision Insurance May Support LASIK 

While LASIK itself typically isn’t covered, some vision insurers offer special discounts, usually around 15-20% off retail LASIK prices when using network providers. Here’s a sample breakdown of popular vision plans and their LASIK savings options: 

Vision Plan	LASIK Savings
Aetna Vision Preferred	15% off LASIK retail prices, plus a 5% discount on promotions.
Anthem Blue Vision Preferred	Up to $800 in LASIK savings
EyeMed	Access to discounts up to $800 off.
Davis Vision	Free LASIK exams and discounts.
Membership-based programs	Programs like AAA and AARP offer discounts as part of their benefits, which can be used in addition to or instead of traditional insurance discounts.

These options can help lower out-of-pocket costs, making LASIK more accessible for those whose vision insurance doesn’t cover it fully.  This information is only representative of possible plan benefits; please check the official plan documentation to determine the benefit coverage of any specific plan. 

How to Check Your Insurance for LASIK Coverage 

To see if your vision insurance offers any LASIK benefits, here’s what to check and ask: 

1. Look for phrases in your insurance details like “elective surgery,” “LASIK discount programs,” or “partner providers” that often indicate if any savings or discounts on LASIK are available. 
2. Reach out directly to your insurance provider and ask about: 
   • Any discount programs or network providers offering LASIK savings 
   • Specific eligibility requirements for discounts on elective procedures 
   • Any limitations or exclusions related to LASIK 

Alternative Ways to Pay for LASIK 

Besides insurance, here are several ways to manage LASIK costs: 

• Health Savings Accounts (HSAs): You can use pre-tax dollars saved in an HSA toward LASIK, lowering the overall out-of-pocket expense. Eligibility requires enrollment in a high-deductible health plan (HDHP). 
• Flexible Spending Accounts (FSAs): FSAs allow for pre-tax savings specifically for healthcare expenses, including LASIK. These accounts have annual limits and generally require use within the plan year. 
• LASIK Financing Plans: Many LASIK providers offer in-house payment plans that may be interest-free for a set period or come with low-interest options, helping break down the cost into manageable monthly payments. 
• Medical Credit Cards: Options like CareCredit allow for financing LASIK with extended payment terms, often with interest-free periods, although interest may apply after the promotional period ends. 

Weighing the Costs and Benefits of LASIK 

LASIK can be cost-effective over time by eliminating the recurring costs of glasses, contacts, and related supplies. The average LASIK surgery costs between $2,200 and $4,400 per eye, but when compared to years of eyewear expenses, it can offer substantial savings. 

Consider how LASIK might improve convenience and quality of life—such as no longer needing glasses or contacts daily. LASIK can provide added freedom and simplify travel and sports activities for many. Factoring in both financial and lifestyle benefits can help determine if LASIK is the right investment. 

Is LASIK Worth It with Limited Insurance Support? 

Paying out-of-pocket for LASIK can offer significant long-term savings by reducing or eliminating the recurring costs of glasses and contact lenses. Additionally, many people find that LASIK improves their quality of life, providing convenience and freedom from eyewear.  

It’s essential to choose a reputable provider, even with limited insurance support. Research certified LASIK specialists within your budget and explore potential discounts or financing options to make the procedure more affordable without sacrificing quality. 

Bringing It All Together 

Vision insurance typically doesn’t cover LASIK surgery since it’s considered an elective procedure and not medically necessary. Most plans focus on routine eye care, such as exams, glasses, and contact lenses. However, some vision insurers offer discounts or partnerships with LASIK providers, which can lower out-of-pocket costs. For those interested in LASIK, exploring financing options, discount programs, and tax-advantaged accounts like HSAs or FSAs can make the procedure more affordable.