How to Get Insurance Company to Pay for LASIK Surgery

Young adult woman with glasses stands in front of a vision chart
Young adult woman with glasses stands in front of a vision chart (Image: dolgachov/iStock/Getty Images)

LASIK surgery is a type of refractive surgery to correct vision problems such as nearsightedness and astigmatism. Since insurance carriers rarely cover LASIK surgery -- citing it as a cosmetic or elective procedure -- patients who might benefit greatly from it might abandon the idea too quickly. However, there are special circumstances and exceptions that insurance companies consider when deciding whether they will cover LASIK surgery. Make sure you check with the insurance company before getting surgery to ensure you are covered.

Occupational Exceptions

Insurance companies will sometimes make exceptions and cover LASIK for patients who face safety requirements, such as people in the military, or who are firefighters or police officers. If you cite one of these exceptions when applying for insurance coverage, expect to wait for a decision. Also, keep in mind that not everyone who applies for this exception receives coverage.

Medical Exceptions

Insurance companies might consider your appeal for coverage if your refractive vision problems stem from a specific injury or accident, or if you underwent a surgery that left you with the visual impairment that requires LASIK.

When LASIK is the Only Option

Many times, patients cannot wear eyeglasses due to allergies or physical limitations, and they cannot wear contact lenses due to a lens intolerance. Any case where LASIK is the only option that will allow you to see might cause your insurance carrier to consider covering corrective eye surgery.

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