If you’re considering LASIK, you might be wondering: Does insurance cover LASIK surgery? Unfortunately, most standard insurance plans don’t, but there are ways to get partial coverage. Some medical conditions may qualify, and specific financing options can help reduce costs. Keep reading to discover how to maximize your chances of insurance approval and lower your LASIK expenses.
In this guide, we’ll break down the cost of LASIK, what types (if any) insurance may cover, and provide expert tips to increase your chances of getting insurance approval. By the end, you’ll have a clear roadmap to make LASIK more affordable.
Types of LASIK That Might Be Covered by Insurance
While most LASIK surgeries are considered elective, certain medical conditions may qualify for insurance coverage. Here’s what to know:
Severe Refractive Errors – If you have extreme nearsightedness or farsightedness, insurance may cover part of the cost.
Vision Correction After an Injury – If LASIK is medically necessary due to trauma, insurance may help.
Specific Professions Requiring Perfect Vision – Military personnel or pilots may get coverage under special programs.
Unfortunately, standard myopia, hyperopia, and astigmatism usually don’t qualify.
How Insurance Determines LASIK Eligibility
| Factor | Influence on Coverage |
| Medical necessity | Higher chance of approval |
| Severity of vision impairment | May qualify under certain plans |
| Employer-based vision plans | Some cover part of the cost |
| Special occupations (military, pilots) | May qualify under specific conditions |
5 Tips to Get LASIK Insurance Coverage Approved
Even if your insurance doesn’t cover LASIK outright, you can improve your chances by following these tips:
- Check Your Vision Plan – Some employer-based vision plans offer LASIK discounts. Contact your provider for details.
- Get a Doctor’s Evaluation – A medical report stating that LASIK is necessary due to eye strain or severe prescription issues may help.
- Ask About Discounts & FSAs – Flexible Spending Accounts (FSAs) or Health Savings Accounts (HSAs) can be used for LASIK.
- Look for Employer Benefits – Some companies offer partial reimbursement for LASIK under employee wellness programs.
- Consider Military or Union Plans – If applicable, check if special coverage options exist for your profession.
Pros and Cons of LASIK Surgery
Pros:
- Permanent vision correction
- Quick recovery (24-48 hours)
- No more dependence on glasses or contacts
- High success rate (over 90%)
Cons:
- High upfront cost
- Potential side effects (dry eyes, halos)
- Not everyone qualifies
- Insurance rarely covers it fully
Alternative Solutions to Improve Eye Health
If LASIK isn’t covered or isn’t the right option for you, consider non-surgical alternatives. Moreover, VisionUp is a mobile app that guides users through eye exercises proven to improve focus, reduce strain, and potentially enhance vision over time. While not a replacement for LASIK, it’s a cost-effective way to support eye health naturally.
Conclusion & Key Takeaways
- Insurance rarely covers LASIK, but special cases (injury, severe vision impairment) may qualify.
- Employer vision plans and FSAs/HSAs can help lower the out-of-pocket cost.
- If LASIK isn’t an option, consider alternatives like eye exercises to maintain eye health.
Pro Tip: Need more information about the cases when LASIK is required? Check out When Is LASIK Medically Necessary? 5 Common Conditions
Frequently Asked Questions (FAQs)
1. Does insurance cover LASIK for astigmatism?
Most insurance plans consider LASIK for astigmatism elective and do not cover it, but some vision plans offer discounts.
2. How can I qualify for insurance-covered LASIK?
If LASIK is medically necessary due to injury or extreme vision impairment, your insurer may cover part of the cost. A doctor’s evaluation helps.