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If you're considering LASIK surgery, you're likely wondering which insurance companies can help cover the costs. One of the top insurance companies that cover LASIK surgery is UnitedHealthcare.
This insurance company offers a range of plans that cover LASIK, with some plans covering up to 100% of the procedure's cost.
Humana is another top insurance company that covers LASIK surgery, with some plans offering up to 90% coverage.
These insurance companies have made LASIK surgery more accessible to those who need it.
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Insurance Companies
UnitedHealthcare (UHC) and Davis Vision have the best benefits for Lasik, with discounted rates as low as $1,000 per eye. You can expect to pay less than $1,000 per eye for traditional Lasik with Davis Vision.
Davis Vision partners with QualSight to offer members up to 40 to 50 percent off traditional LASIK procedures. This means you can save a significant amount on your Lasik surgery.
Spectera vision insurance is offered through United Health Care, and they also partner with QualSight to provide their LASIK discounts. You may receive 40 to 50 percent off traditional LASIK surgery with Spectera.
According to Davis Vision, their members pay about $1,400 per eye for custom LASIK. QualSight has an extensive network of about 1,000 LASIK surgeons to choose from, giving you plenty of options.
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Cost and Coverage
The cost of LASIK can vary depending on several factors, including the surgeon's experience level and facility fees. The average cost of LASIK eye surgery in the U.S. is around $4,500 for both eyes.
If you have insurance, you may be able to get a discount on LASIK. Some insurance companies offer better rates than others. For example, Cigna health insurance plans have the best benefits for LASIK, with surgery costs as low as $695 per eye.
Insurance discounts can save you an average of $948 per eye on LASIK surgery. These discounts are typically considered a perk that's in addition to the plan's standard coverage for eye exams, eyeglasses, and contact lenses.
If you have vision insurance, you may be able to get a discount on LASIK. Some vision insurance plans, such as UnitedHealthcare (UHC) and Davis Vision, offer discounted rates as low as $1,000 per eye.
Here are some examples of insurance companies that offer LASIK discounts:
- Cigna: $695 per eye
- UHC: $1,000 per eye
- Davis Vision: $1,000 per eye
- BCBS: $1,995 per eye (with a $400 discount)
- Anthem: $1,995 per eye (with a $400 discount)
- UHC: $2,035 per eye (with a 15% discount)
Keep in mind that your actual costs and insurance discounts will vary based on your plan, the type of procedure you need, and the location where you get the surgery.
What Covers
Vision insurance plans can save you an average of $948 per eye on LASIK surgery. These discounts are typically considered a perk in addition to the plan's standard coverage for eye exams, eyeglasses, and contact lenses.
Some vision insurance plans, like VSP, offer 15 to 20 percent off standard prices or 5 percent off promotional LASIK pricing. This can bring the cost down to $1,800 per eye for conventional LASIK or $2,300 per eye for custom LASIK.
Not all vision insurance plans are created equal, however. UnitedHealthcare (UHC) and Davis Vision have been reported to have the best benefits for LASIK, with discounted rates as low as $1,000 per eye.
If you have both vision and medical insurance, be aware that you usually can't combine LASIK discounts from both plans. You'll need to work with the surgery provider and the insurance companies to decide how to get the best deal.
Here are some participating vision insurance policies that may offer LASIK coverage:
- Vision Service Plan (VSP)
- EyeMed
- Davis Vision
- MESVision
- Spectera
Keep in mind that insurance plans vary from state to state, so it's essential to compare multiple providers before purchasing a vision plan.
Cost
The cost of LASIK surgery can vary depending on several factors, including the surgeon's experience level and facility fees. The average cost of LASIK eye surgery in the U.S. is around $4,500 for both eyes.
You can expect to pay less if you have insurance, with costs ranging from $695 to $2,035 per eye, depending on the insurance company and your plan. For example, Cigna offers a 15%+ discount, while BCBS and Anthem offer a $400 discount.
Some vision insurance companies offer better benefits for LASIK, such as UnitedHealthcare (UHC) and Davis Vision, which have discounted rates as low as $1,000 per eye. You can also get a discount if you use a LASIK provider affiliated with your vision insurance plan.
Here are some examples of LASIK costs with vision insurance discounts:
You can also get a discount if you have a group insurance plan through your job, with prices as low as $695 per eye with a Humana vision insurance plan for employees at a large college.
Eligible Expenses and Accounts
You can use a Health Savings Account (HSA) to help pay for out-of-pocket healthcare expenses like LASIK and other laser eye surgeries. HSAs are tax-exempt accounts that can be set up to pay for certain medical expenses, including the LASIK eye surgery cost.
If you have a high deductible health plan (HDHP), you can use an HSA to reimburse you for expenses not covered by your plan.
Most elective surgeries, including laser vision correction (LASIK & PRK), are eligible expenses for HSAs.
Here are some specific expenses that are eligible for reimbursement through an HSA:
- Most elective surgeries
- Laser vision correction (LASIK & PRK)
- Deductibles
- Eyeglasses
- Prescription drug co-payments
- Any expense that is considered a deductible medical expense by the IRS and not reimbursed through the FSA.
You can also use a Flexible Spending Account (FSA) to help cover elective procedures like LASIK.
Choosing the Best
UnitedHealthcare and Davis Vision offer the best benefits for Lasik, with discounted rates as low as $1,000 per eye. This is a significant savings compared to the standard cost of Lasik surgery.
If you're looking for other options, Cigna health insurance and UnitedHealthcare vision insurance also offer discounted Lasik rates, with some plans allowing you to pay less than $1,000 per eye.
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To find the best insurance plan for Lasik, be sure to compare multiple providers and check their coverage and discounts in your area. Participating vision insurance policies include Vision Service Plan (VSP), EyeMed, Davis Vision, MESVision, and Spectera.
What's Best
UnitedHealthcare and Davis Vision have the best benefits for Lasik, with discounted rates as low as $1,000 per eye.
If you're looking for the best insurance for Lasik, Cigna health insurance and UnitedHealthcare vision insurance are worth considering, as they offer discounts that can bring the cost down to less than $1,000 per eye.
Best Coverage Companies
If you're looking for insurance companies with the best coverage for Lasik, Cigna health insurance plans are a great option, with surgery costs as low as $695 per eye.
Cigna's benefits for Lasik are impressive, and it's worth considering if you're in the market for this type of surgery. UnitedHealthcare (UHC) and Davis Vision also offer great benefits for Lasik, with discounted rates as low as $1,000 per eye.
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If you're looking for vision insurance companies with the best coverage for Lasik, UnitedHealthcare and Davis Vision are top contenders. They offer discounted rates that are hard to beat.
Some popular vision insurance plans that offer Lasik coverage include Vision Service Plan (VSP), EyeMed, Davis Vision, MESVision, and Spectera. These plans require you to see an in-network surgeon, which can save you money in the long run.
Here are some insurance companies that offer Lasik discounts:
- Cigna health insurance
- UnitedHealthcare vision insurance
- Davis Vision
- VSP
- EyeMed
Davis Vision is particularly notable, as they partner with QualSight to offer members up to 40 to 50 percent off traditional LASIK procedures. This can bring the cost down to less than $1,000 per eye for traditional LASIK.
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Understanding Vision Protection
Vision insurance plans like VSP or EyeMed may offer a defined benefit for refractive surgery, covering LASIK in some cases. However, it's essential to check your specific plan for details.
You might be surprised to learn that some vision insurance plans offer a discount program for subscribers, even if LASIK isn't fully covered. These discounts can be a significant perk, especially if you're planning to get LASIK.
TLC San Antonio partners with most major vision and health insurance companies to offer savings on LASIK. This means you might not have to pay the full retail fee for the procedure.
Some insurance providers, like VSP and Davis Vision, offer a LASIK benefit as part of their plans. This benefit can be a significant discount on LASIK surgery fees.
Here are some insurance companies that commonly offer a LASIK benefit:
- Blue Cross Blue Shield
- Health Net
- Cigna
- Aetna
- Anthem
- VSP
- Davis Vision
These insurance companies often partner with LASIK providers like TLC San Antonio to offer discounted rates to their subscribers.
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