-
Step 1
Review your policy carefully to see if it covers laser eye surgery. Sometimes surgeries can be covered if they are done to restore complete vision or if they are associated with a disease that is covered by your health insurance.
-
Step 2
Find out if your insurance will agree to cover part of the expenses. While this is not the best option and may not be what you wanted to hear, it's still better than having to pay for the entire surgery out of pocket.
-
Step 3
Ask your company if they offer Flex Plans, which are a secondary type of health insurance (attached to your main one). Flex Plans, also known as Flexible Spending Accounts, have been created to help people cover procedures that are normally outside the scope of their main health insurance.
-
Step 4
Ask your surgeon if he knows of an insurance plan that covers the procedure. You may be able to switch companies or get additional coverage if you find out early enough.
-
Step 5
Instead of explaining your case to the operator at your health insurance office, ask for a supervisor. Or ask how to present a request in writing so it reaches the people in charge. If you find that the person on the phone insists on saying no without hearing about your specific case, call a different number at a different time so you can talk to somebody else.
-
Step 6
Find out if your spouse or family health insurance covers laser eye surgery. While your primary insurance may not, it's possible you can still qualify under a different policy.
