Does Insurance Cover LASIK?

Does Insurance Cover LASIK?

September 27, 2023

Table of Content

Does Insurance Cover LASIK? Unveiling the Truth About LASIK Coverage

At the Kraff Eye Institute, we're often asked, "Is LASIK covered by insurance?" It's a pressing concern for many considering this transformative laser surgery. Let's address the specifics of LASIK insurance coverage and what patients should anticipate in 2024-2025 when it comes to financing their vision correction.

Typically, LASIK, being a form of elective surgery, isn't classified as medically necessary. Thus, many health insurance policies don't include LASIK coverage as part of their standard benefits.

However, there are exceptions, and patients may find that certain insurance plans offer partial coverage for laser vision correction. It's essential to scrutinize your insurance policy, whether obtained individually or through an employer, to uncover any LASIK benefits you might have.

It’s true that health insurance often covers necessities like contact lenses and glasses, but when it comes to LASIK eye surgery in Chicago, it's vision insurance that more frequently steps into the realm of offering financial assistance.

Indeed, vision plans differ from health plans in their potential to extend insurance for LASIK to their policyholders. In some instances, these plans may incorporate benefits that significantly reduce the costs associated with LASIK eye surgery.

At Kraff Eye Institute, we're dedicated to providing clear information on how you can utilize your vision plan to support your journey towards better eyesight through laser surgery.

Our team is available to guide you through understanding your policy's specifics and discussing the various pay options available for your LASIK procedure in the upcoming year.

Is LASIK Covered by Your Insurance Provider? Navigating Policy Details

While many individuals hope that their insurance provider might foot the bill for LASIK eye surgery, it's important to realize that such coverage is rare.

Even though certain careers or medical issues such as severe allergies or severe dry eyes might seem to qualify one for coverage, LASIK is broadly categorized as elective surgery. Insurance companies often exclude elective procedures from their policies because they aren't deemed medically necessary.

At Kraff Eye Institute, we encourage patients to thoroughly review their vision surgery insurance specifics as some plans might offer partial coverage or discounts on corrective procedures like LASIK. It's also essential to explore various pay options for laser surgery in 2024, since affordability and financing are key considerations for many candidates seeking vision correction alternatives.

Understanding Insurance Coverage for Specific LASIK Procedures

When contemplating LASIK eye surgery, understanding insurance coverage is critical as many medical insurance plans don't include laser vision correction as a covered benefit.

Contrarily, procedures deemed medically necessary are typically covered while elective vision correction surgery such as LASIK is often out-of-pocket. This delineation influences LASIK procedures' affordability as specific policies vary widely in defining what constitutes necessary corrective procedures.

It's essential to scrutinize your insurance provider's policy details regarding coverage for eye surgery. At the Kraff Eye Institute, we frequently encounter questions regarding the surgery cost associated with LASIK and the eligibility for insurance coverage.

How Does Insurance Cover LASIK?

To navigate these complexities, a detailed review of your vision correction plan is recommended. Regardless, corrective vision procedures typically are classified as elective. Hence, they may not be supported by traditional medical insurance, barring nuanced exceptions where severe visual impairment necessitates surgical intervention.

Moreover, surgery cost is a significant factor for many patients considering LASIK procedures. Understanding insurance coverage can assist in planning financially, although alternative pay options should be considered.

For those ineligible for insurance coverage, financing plans, health savings accounts, or flexible spending accounts might offer viable pathways to managing the cost associated with corrective LASIK eye surgery for improved vision correction.

The Cost of LASIK: How Much Can You Expect to Pay?

When considering LASIK eye surgery at Kraff Eye Institute, many patients inquire about the financial aspect, particularly, "Does insurance cover LASIK?" Generally, health insurance policies categorize LASIK as an elective procedure, much like cosmetic surgery, which means it is not commonly covered.

However, there are cases when LASIK can be deemed medically necessary. In such instances, patients may find that their insurance, including certain Illinois Medicaid plans or Medicare coverage, might contribute, albeit rarely, to the cost of the surgery.

Illinois Medicaid and Medicare typically don't cover LASIK, as it is an elective laser eye surgery. If LASIK were to be considered medically necessary and this necessity can be certified by a healthcare professional, pursuing coverage from Medicaid or Medicare might be an option. It's vital to engage with a knowledgeable LASIK specialist at Kraff Eye Institute who is versed in such intricacies and may also accept Medicaid or Medicare, to explore how you could benefit.

The extent to which insurance companies may cover the cost of LASIK surgery is variable. To determine if you have LASIK benefits under your individual or employer's plan, a detailed review of your policy is recommended. Certain insurance carriers, including larger unions, might offer designated financing options for vision correction surgery, potentially alleviating a substantial portion of the expense.

Moreover, some patients might wonder, "Does VSP insurance cover LASIK?" It's worth noting that members of the Vision Service Plan (VSP) may receive assistance towards the surgery, particularly if the provider, like the Kraff Eye Institute, is within the VSP network.

To ensure clarity on the LASIK coverage and pay options available to you, Kraff Eye Institute advises a thorough discussion with your insurance provider, be it VSP, Illinois Medicaid, Medicare, or private insurance, to understand any possible discounts and benefits for your laser surgery.

How Insurance Can Impact the Final Cost of Your LASIK Surgery

As you consider the path to clearer vision, understanding how insurance can impact the final cost of your LASIK surgery is crucial. Typically, health insurance policies have not often covered LASIK, as it's usually deemed an elective procedure.

However, the nuances of insurance coverage for laser eye surgery can vary greatly between providers and plans. Navigating the intricate details of what your insurance might cover can significantly influence the financial planning of your journey to improved vision. At Kraff Eye Institute, we encourage patients to exhaustively review their policy to discern if exceptions exist, potentially reducing out-of-pocket costs for LASIK eye surgery.

While some health insurance plans may not cover LASIK, certain carriers may offer discounted rates for LASIK procedures through specified networks or offer a Health Savings Account (HSA) that could be applied towards the surgery.

ProviderUp to $800 on LASIK + Lifetime EnhancementsUp\ to $120 LASIK ExamBladeless ProceduresMedically Necessary Post-OpOver $150 LASIK ConsultationOther Financing Options
Block Vision
Blue View
Anthem Special
Blue Vision

Understanding insurance coverage for specific LASIK procedures is important, as it's possible that particular technologies or surgical approaches could influence coverage eligibility. Though the cost of LASIK can be a considerable investment, at Kraff Eye Institute, we believe in transparent discussions about all possible pay options to ensure our patients make well-informed decisions when considering laser eye surgery.

The final cost of LASIK surmises various elements, including pre-surgery consultations, the surgery itself, and follow-up care. It's crucial for individuals to probe if their insurance will offer any assistance with these expenses, even if they don't cover LASIK entirely. By comprehending the intricate relationship between health insurance and LASIK, you'll be better equipped to navigate the financial aspects of obtaining the vision you've longed for.

Ways to Save on LASIK Surgery

Below are a few options to help manage the cost of LASIK.

Will Insurance Cover LASIK for Astigmatism or Other Conditions?

Securing insurance coverage of LASIK for astigmatism often presents a challenge. The majority of vision insurance plans view LASIK as elective surgery, suggesting that glasses and contact lenses are adequate substitutes. Nevertheless, at Kraff Eye Institute, we are committed to providing our patients with transparent information regarding their insurance policies and the potential for LASIK coverage.

Health insurance providers typically enforce certain criteria that must be met for LASIK to be considered a necessary procedure. While traditional insurance coverage for LASIK is rare, there are various flexible pay options available to make laser surgery more accessible.

Even if your insurance does not cover LASIK, don't despair. At Kraff Eye Institute, we offer a thorough consultation to examine your specific condition—be it astigmatism or another visual impairment—and to discuss available payment plans.

While the insurance aspect can be daunting, our team is here to guide you through the financial aspects, including discussing your Health Savings Account (HSA) or Flexible Spending Account (FSA) which often can be applied towards LASIK. Rest assured, we're dedicated to exploring every avenue to make your laser eye surgery experience both satisfactory and financially manageable.

The Role of Medical Necessity in Laser Eye Surgery Insurance Coverage

When it comes to laser eye surgery insurance coverage, the concept of medical necessity plays a pivotal role. Typically, an insurance company's willingness to cover laser eye procedures hinges on whether the surgery is deemed necessary from a medical standpoint.

For instance, vision correction surgeries that are considered elective, such as LASIK, often aren't covered because they are viewed as optional enhancements rather than essential treatments. Consequently, prospective patients must navigate the complex interactions between insurance company policies and the perceived urgency of their eye surgery.

The decision-making process by an insurance company often involves assessing the extent to which vision correction surgery could mitigate or rectify an existing medical condition.

In cases where vision correction is necessary to correct an impairment that cannot be adequately addressed with glasses or contacts, insurance cover for eye surgery may be more likely. However, due to varied definitions of medical necessity across different insurers, it's essential to review your policy details thoroughly.

It's important to consider the potential surgery cost without the aid of insurance, as laser eye surgeries can be significant investments. Knowing how your insurance company treats laser eye surgery coverage enables you to plan financially.

Additionally, be aware that while some surgery types like LASIK are popular for their efficacy in treating refractive errors, the extent of insurance cover may still be limited. Patients at Kraff Eye Institute are encouraged to consult with our financing department for personalized advice on managing surgery costs and exploring various payment options available for their laser eye surgery in 2024.

Exploring Ways to Save on LASIK: Insurance and Beyond

Navigating the fiscal landscape of LASIK surgery can be perplexing, and at the Kraff Eye Institute, we understand your concerns regarding LASIK coverage.

While many assume their insurance won't foot the bill for laser surgery, there are several avenues to explore that could reduce your out-of-pocket costs. Let's break down some of these strategies:

Financing plans are often available through surgical practices to help make LASIK more affordable. If you're eligible, these plans can be tailored with manageable interest rates, making the prospect of correcting your vision with laser vision correction more accessible. Moreover, utilizing no or low-interest credit cards that offer perks like air travel miles can help to sweeten the deal.

Unexpected sources of income, such as bonuses, can also provide financial support for your LASIK procedure. Be it tax refunds, job signing incentives, performance-related bonuses, financial windfalls, or generous cash gifts, these funds can be an untapped resource to consider. The stimulus checks distributed during the COVID-19 pandemic highlighted how unexpected gains might be redirected towards investments like laser eye surgery treatments.

Check in with an HR Manager

When it comes to employer-sponsored benefits, it's crucial to consult with your HR manager.

Check-In with HR-Manager

A conversation with them can clarify whether your vision plan includes LASIK insurance coverage, and they can illuminate other valuable mechanisms such as FSAs (Flexible Spending Accounts) and HSAs (Health Savings Accounts) that can offset the costs associated with laser eye surgery. At the Kraff Eye Institute, we're committed to helping you understand all your options for making LASIK more affordable, so you can proceed with confidence.

Can Health Savings Accounts (FSAs and HSAs) Help Cover LASIK Costs?

Many employers provide their workforce with Flexible Spending Arrangements (FSAs) or Health Savings Accounts (HSAs) as a benefit. These accounts enable employees to allocate a portion of their earnings, before taxes, toward healthcare expenditures. Particularly for those considering LASIK eye surgery at Kraff Eye Institute, such tax-advantaged plans could significantly lessen out-of-pocket expenses. It's critical to consult with your benefits manager and review your company's specific guidelines on utilizing your FSA or HSA for procedures like LASIK. The funds in these accounts can often be applied to cover various elements associated with LASIK, such as the pre-operative examination, laser surgery performed by our expert ophthalmologists, as well as any follow-up care required post-LASIK.

How to Pay for LASIK When Insurance Won't Cover

Understanding how to pay for LASIK when insurance won't cover the procedure is crucial for many individuals considering this transformative laser eye surgery. At the Kraff Eye Institute, we're well-versed in guiding patients through various pay options to manage LASIK cost effectively. While it's true that most insurance health plans categorize LASIK as a cosmetic or elective surgery and therefore may not cover LASIK, there are still manageable pathways to afford laser surgery without insurance backing. As a clinic at the forefront of laser eye technology, we know the importance of investment in your vision.

Financing Plans

If your policy details indicate LASIK surgery isn't covered, don't lose hope. LASIK surgery has become more accessible, and we provide information on financing plans that facilitate a manageable way to pay for LASIK over time. Given that insurance won't cover these costs at times, exploring alternative options like savings accounts, specifically Health Savings Accounts (HSAs), can potentially help cover LASIK expenses. Furthermore, if the surgery rectifies a vision problem like astigmatism, discussing the role of medical necessity with your provider may aid in your argument for coverage.

Overall, while insurance may not cover LASIK, there are several strategies to address LASIK costs. Whether it's through personalized payment plans or utilizing an HSA, we're dedicated to helping you navigate your way to clearer vision. Experience has taught us that while the initial laser surgery investment might seem daunting, the long-term benefits of LASIK often outweigh the costs.


When considering LASIK eye surgery, it's essential to consult an experienced ophthalmologist who specializes in laser vision correction. A complete eye exam that measures vision function and evaluates the health of the eyes will help assess the medical need for the procedure. So, is LASIK eye surgery covered by insurance?

If you're a good candidate for LASIK, consult your individual or employer's benefits manager to review your policy and determine potential coverage. At the Kraff Eye Institute, we will help you untangle complex vision insurance policies so you can get the vision care you need. Contact us today at 312-262-7818 to make an appointment and get all of your questions answered about LASIK from a leader in the field.

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Dr. Colman R. Kraff

Committed to advancing new technologies in the field of ophthalmology, Dr. Colman Kraff helped to pioneer laser vision correction. In February of 1991, as part of a five-site, U.S., FDA clinical trial team, Dr. Kraff successfully performed the first excimer laser procedures in the Chicagoland area using the VISX Excimer Laser.

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