Vision Insurance LASIK, PRK, eye exams
Vision Insurance LASIK, PRK, eye exams
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We accept a wide range of vision insurance plans as well as medical insurance. There is a difference between the two types of insurance:
Vision insurance usually covers a complete eye exam and determines your need for glasses or contact lenses. These types of plans may give you an annual allowance towards the purchase of glasses or contact lenses. Vision care coverage is usually totally separate from your medical insurance plan.
Medical eye insurance refers to medical conditions not related to a need for eyeglasses, such as cataracts or glaucoma.
Please remember to bring in your insurance card when you come in for your visit, or give us your insurance information over the phone before your appointment. Our staff will work with you to explain what coverage you have. If you have specific questions about your insurance, please contact your insurance company or human resources department directly.
A partial list of our accepted plans is listed below. If you do not see your plan listed please call our office to check if we accept your insurance.
Uninsured?
We offer very reasonable rates for eye exams for cash paying patients without insurance.
Does your Insurance cover LASIK?
Many insurance companies consider LASIK to be an elective procedure. Other examples of elective procedures would be plastic or cosmetic surgery. This type of surgery may not be considered a medical necessity therefore may not be a covered benefit of your plan. Sometimes insurance companies like VSP and EyeMed have negotiated a discounted fee for LASIK, in which case you may pay substantially less than the customary fee for your procedure. We recommend calling your benefits administrator to see if your insurance covers any part of your LASIK procedure. Coverage may also depend on the strength of your prescription, the type of job you have, and the presence of other eye conditions like cataracts.
Insurance Guidelines:
Many plans have changed over the past few years. We encourage you to contact your plan administrator to find out exactly what is and is not covered. Remember to ask about the amount of coverage offered, which procedures are covered, and what your deductible and out of pocket costs will be. This will also depend on whether your provider is in-network or out-of-network.
Even if your insurance does not cover LASIK, the amount you pay may be applied to your annual household deductible. In general LASIK is considered a medically deductible expense for tax purposes. Ask your accountant for details.
