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Does Insurance Cover LASIK? Understanding Your Options

  • 5 min read

How much would you pay for crystal-clear 20/20 vision without a need for glasses or contacts? For many individuals, the gift of perfect sight is priceless. LASIK is a fast painless procedure that can restore your vision with minimal healing time. But does insurance cover LASIK?

Your ability to pay should not get in the way of your ability to see. At Khanna Institute, we believe perfect sight is an achievable goal for all, with or without LASIK insurance coverage.

In this guide, we’ll discuss the cost of LASIK procedures, as well as your options for insurance and financing. Continue reading to learn more about paying for laser eye surgery at The Khanna Institute in Beverly Hills. 

How Much Does LASIK Eye Surgery Cost Without Insurance?

In the United States, the average cost for traditional LASIK eye surgery is $2,200 per eye, for a total of $4,400. With that said, the cost of surgery can vary a great deal. 

Foremost, the office where you undergo the procedure can impact the price. Areas with a higher cost of living might charge more for all forms of medical care. 

Furthermore, many patients are willing to pay more to work with a talented and experienced LASIK surgeon. When you pay for an experienced eye doctor, you are paying for their expertise and continuing education. This is one of the best ways to guarantee a positive outcome and achieve 20/20 vision. Always ask your surgeon about their success rates before you commit.

The type of LASIK surgery you choose might also impact the cost. The procedure has evolved in many ways, offering many more advanced options. For example, consider SuperLASIK, a state-of-the-art no-cut technology. This safer, less invasive procedure might cost more than traditional LASIK.

Most patients agree that the advanced procedure is worth the additional expense. A shorter healing time allows them to return to activities, such as work, sooner. Furthermore, the lower risk of infection provides peace of mind. 

Your current vision level should not impact the price of the procedure. With that said, some offices offer customized surgery plans for patients with unique vision needs. Those procedures may involve an upcharge. 

Ask about the specific cost of LASIK when you visit the office for your initial consultation.

How Much Does LASIK Eye Surgery Cost With Insurance?

Foremost, is LASIK covered by insurance? It is typically an elective procedure. Most health insurance plans will only cover surgeries that are medically necessary. As a result, very few plans offer insurance for LASIK.

With that said, your network provider may offer you a discount at certain offices. Check in with your provider to find out if this is an option. For example, Khanna Institute works with Eyemed and Spectra vision insurance plans to offer prenegotiated discounts. 

In some very rare cases, your insurance provider may determine that LASIK is a medically necessary procedure. In that case, they may cover the cost of your LASIK surgery. For example, individuals with a disability that will not allow them to wear glasses or contact lenses may qualify. You may also be able to get insurance to cover vision changes that result from an accident.

Talented LASIK eye surgeon performing procedure

Can I Finance LASIK Eye Surgery?

Although paying for LASIK with insurance is rarely an option, you may be able to finance your procedure. At Khanna Institute, we offer no Interest, $0 down, affordable monthly payments through major healthcare financing companies. Best of all, these options allow you to choose any vision correcting modality you prefer.

To take advantage of financing, you will need to apply directly to the financing company. They will help pay the full cost of your procedure upfront. You will then make direct monthly payments to the financing company. This allows you to spread out the cost of the procedure over time.

Typically, you need a credit score of at least 690 to qualify for financing. 

Can I Pay for LASIK With FSA or HSA Funds?

Paying for LASIK with your flexible spending account (FSA) or health savings account (HSA) is another way to reduce costs. This allows you to pay for medical expenses, such as LASIK, with pre-tax dollars. 

While you cannot use FSA funds to cover the entire cost of the procedure, it can greatly reduce the final expense. The tax advantages of utilizing these funds can save you as much as 30% of the cost of your surgery. For most individuals, this is the easiest and most affordable way to pay for LASIK. These funds can also pay for other vision correction procedures, such as SMILE.

What Is Perfect Vision Worth to You?

Many people would pay anything to eliminate the burden of glasses or contact lenses. What is 20/20 vision worth to you? At Khanna Institute, we believe that this goal is attainable whether or not your insurance covers LASIK. 

FSA and HSA funds often make the procedure more accessible and affordable. Furthermore,  we offer a range of payment plans to make your dreams of clear sight possible. Be sure to ask your insurance provider if they offer pre-negotiated discounts for LASIK. 

Are you ready to learn more about what LASIK can do for you? Read more about this life-changing procedure and then schedule a free consultation. We can’t wait to help you achieve your dream of clearer sight. 

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