Vision Service Plan (VSP) is an affordable insurance plan that specifically covers vision related needs. Lines and paragraphs break automatically. Ask them about potential discounts and see what options are available. Many people wonder, “Does insurance cover the cost of LASIK surgery?” While insurance typically does not cover the cost, there are still options for people interested in LASIK that are worried about paying for the procedure. Some providers offer discounts to those working for certain employers or in certain industries. This can save you a substantial amount of money since the funds deposited into the account are not subject to payroll taxes. Treatment for conditions caused by war or aggression, declared or undeclared, or international armed conflict. Charges for failure to keep a scheduled appointment, transfer of medical records, and other similar charges for which no medical treatment or services have been provided. The HAP claims administrator will provide services and supplies in connection with such injury or disease but will be entitled to reimbursement for them in accordance with rules set out in The Pacific Gas and Electric Company Health Care Plan for Active Employees Plan Document. Each pulse of the laser removes 39-millionths of an inch of tissue, enabling surgeons to achieve remarkable accuracy while maintaining excellent control throughout the LASIK procedure . The end results improve your vision to reduce your dependence on eyeglasses or contact lenses. Medical or surgical treatment of excessive sweating (hyperhidrosis) except when medically necessary. Any services or supplies furnished in connection with foot care, unless they are determined to medically necessary covered health services and ordered by your attending physician. LASIK improves the focusing power of the eye to treat short-sightedness, long-sightedness and astigmatism long term. However, because it isn’t considered a medical necessity, rarely is the entire cost of LASIK covered by insurance. Personal comfort and convenience items and services such as guest meals, television rental or barber services. Find HAP (Health Alliance Plan) Dermatologists & Providers with verified reviews. Hospitalization that continues after coverage has ended and after you have recovered sufficiently to be discharged, unless you are certified as totally disabled as explained in ". Look into all of your surgery options before choosing a provider. Services and supplies in connection with mental, behavioral, psychoneurotic, and personality disorders, and for abuse of or addiction to alcohol and drugs, are not covered by Anthem as medical services but are covered elsewhere by the Plan under the Mental Health and Substance Abuse treatment provisions administered by ValueOptions. For Anthem HAP members, notify your claims administrator five business days before receiving services from a. This question is for testing whether you are a human visitor and to prevent automated spam submissions. Not everyone is lucky enough to be able to afford the hefty price tag of this elective surgery--most vision insurance plans don't cover it yet. In some cases it is best to save up for the procedure and pay cash upfront while other times you may be able to find a great payment option. Services or supplies received from a provider or supplier who is not licensed, registered or certified under state law to the extent required to provide such service or supply, or if the service or supply provided is not within the scope of the provider's license, certificate or registration. This exclusion does not apply to services for treatment or removal of a malignancy; physicians' services or X-ray exams for treatment of accidental injury to natural teeth ("treatment" includes the replacement of those teeth), provided the participant is covered by the Plan, the accident occurred while covered, and the treatment is received within 12 months of the accident; or surgery on the maxilla or mandible that is medically necessary to correct TMJD or other medical disorders. Services or supplies in connection with custodial care. Because it is an elective procedure, it’s generally not covered by original Medicare. Everybody reacts differently to the laser, and if you have serious nearsightedness, farsightedness or astigmatism (in this example, 9.00 diopters of correction) you have a 12-15% chance of being undercorrected and needing a second round of LASIK surgery … There are as many cataract surgeries done each year as … Massage therapy, if performed by a massage therapist, or any services performed by a massage therapist who is not also a. A health savings account (HSA) is an account that allows you to set aside funds on a pre-tax basis to cover the cost of medical needs. Any services or supplies for learning disabilities, mental retardation, or hospitalization for environmental change except for Applied Behavioral Analysis (ABA) or speech/occupational/physical therapy rendered in association with autistic spectrum disorder. Supplies for comfort, hygiene or beautification. Services that are provided or a hospitalization that begins before coverage begins or after it ends, except as specifically noted elsewhere or unless the coverage began under another Company-sponsored medical plan. The fact that a covered person may suffer psychological consequences or socially avoidant behavior as a result of an injury, illness or congenital anomaly does not classify surgery or other procedures done to relieve such consequences or behavior as a reconstructive procedure. Intraocular lens (IOL) implants are artificial lenses that help clear up your vision after cataract surgery. LASIK surgery can help patients reduce or, in some cases, eliminate their … Usually the world of insurance has very clear boundaries. Many people find that using their FSA money to pay for the procedure is a great way to cover the cost, especially during years when they have had minimal medical expenses and would otherwise lose the money. Laser assisted in-situ keratomileusis (LASIK), is a procedure that uses a highly specialised laser (excimer laser) to correct myopia, hyperopia and astigmatism. Services and supplies furnished in connection with injury or disease arising out of, or in the course of, any work for wage or profit (whether or not with the employer) if such injury or disease is covered by any Workers' Compensation law, occupational disease law or similar law. They may offer discounts to people that pay upfront, work for certain employers, have insurance policies, etc. It is a credit card designed for your health. Hospitalization primarily for physical therapy or other rehabilitative care, unless approved by Anthem Blue Cross or KPIC as a medically necessary covered health service, except those benefits which would have been provided had the patient been treated on an outpatient basis. Light Sensitivity - This is one of the most common side effects of LASIK where all lights appear too glaring. One such need is Laser-Assisted Stromal In-situ Keratomileusis (LASIK). Talk with your employer and find out about your options. Speak with Your Health Insurance Provider Any services in connection with medical exams or tests not connected with the care and treatment of an actual illness, disease, or injury, except services that Anthem Blue Cross or KPIC as Claims Administrator determines are standard preventive or well-care services (such as annual physical examinations, mammograms and colonoscopies) that are provided in accordance with Anthem Blue Cross or KPIC's guidelines. Care credit is a health care credit card with a credit line for treatments and procedures. Procedures that correct a congenital anomaly without improving or restoring physiologic function are considered cosmetic procedures. This version is for eligible management, administrative and technical employees. Diagnostic procedures are covered for the prenatal diagnosis of genetic disorders of the fetus when authorized by a preferred provider in the case of high-risk pregnancy. LASEK Overview. If a cataract causes visual disturbances, then the insurance will most likely pay toward the cost of the procedure. Talk with your insurance company and find out exactly what they will and will not cover should something go wrong with your procedure. 1. Laser vision correction experts in the Twin Cities Imagine if you could change the way you see the world. As of July 7, 2016, a new Medicare rule prohibits such add-ons of cosmetic upper eyelid procedures. Make an appointment online instantly with Dermatologists that accept HAP (Health Alliance Plan) insurance. Services or supplies that are not covered health services, which include all services that are not, For Anthem HAP members, charges in excess of the reasonable and customary charges (R&C), as determined by Anthem Blue Cross (see ", For KPIC HAP members, charges in excess of eligible charges, as determined by KPIC (see ". Laser Epithelial Keratomileusis, or LASEK, is a vision correction procedure very similar to LASIK. Resume activities based on your doctor's instruction. After the laser treatment is finished, the epithelial tissue is repositioned on the surface of the eye to cover the lasered stroma, and a bandage contact lens is placed on the eye to keep the epithelium in place as it heals. Does My Eyeglass Prescription Qualify For LASIK? The following are not considered to be cosmetic surgery: Surgery to treat a condition, including a birth defect, that impairs the function of a body organ; or. Show your HAP member ID card and save 20% on massage therapy, reiki and acupuncture treatments at locations throughout metro Detroit. If you have a flexible spending account (FSA) you can use the funds to pay for your LASIK surgery. The Type of Surgery You Get Will Impact Price. In general insurance does not cover the cost of LASIK eye surgery, but that doesn’t mean your policy won’t. Web page addresses and e-mail addresses turn into links automatically. They can recommend other financing options for the portion of costs VSP does not cover. This applies even if a condition requiring any of these services involves a part of the body other than the mouth, such as the treatment of Temporomandibular Joint Disorders (TMJD) or malocclusion involving joints or muscles by methods including, but not limited to, crowning, wiring or repositioning teeth. Is Laser Eye Surgery going to Cure my eyes Permanently? New technologies and techniques can shorter recovery time, led to better results and increase the overall cost of the procedure. Please call us at (833) 923-1652 (TTY: 711) to see if you qualify. As pioneers in refractive surgery, including LASIK eye surgery, PRK surgery and other forms of surgical vision correction, we’ve helped thousands of people improve their vision. Condition can be further aggravated by sunlight, therefore it is important to protect your eyes with sunglasses. Services in connection with the reversal of voluntary sterilization. Health plan holders often wonder if insurance covers LASIK in their vision benefits. There are risks when undergoing any surgical procedure and LASIK is no different. One of the main concerns people have when considering LASIK surgery is the cost of the procedure. Your first post-operative appointment will be 24 to 48 hours after your LASIK eye surgery. This insurance plan does not cover: Sunglasses designed to reduce, prevent, or manage cataracts. Some insurance policies will pay all or a portion of the overall surgery cost. Orthopedic shoes (except when joined to braces) or shoe inserts, such as orthotics, even if recommended by your physician, unless for diabetes-related conditions. Such surgeries are covered in many European and Asian countries. Benefits provided under the "Medicare" section of the Social Security Act. What is it, what's the procedure, and other FAQs answered by our LASIK surgeons at LasikPlus. However, it is harmful to humans, and if you use it, you must take the appropriate safety precautions.Thus, it is a HAP but not a VOC. Except as otherwise provided herein for preventive and well-care exams and tests, any services in connection with routine physical exams or medical exams not connected with the primary purpose of the discovery of a medical condition, disease or illness leading to treatment, such as a pre-employment medical exam or a team sports exam. However, it is important to weigh the expense of traveling to appointments with the amount you may save. These plans may be provided by your employer, giving you Medicare benefits in retirement. Services and supplies furnished in connection with surgical procedures for gender reassignment surgery, unless medically necessary as determined by Anthem Blue Cross or KPIC. Benefits provided under the extension of a benefits provision of other insurance policies, benefit plans, or health plan contracts. In most cases, LASIK is performed on both eyes and completed within minutes. As new technologies develop the number of options available for LASIK surgery continues to increase. Surgery to reconstruct a breast after a mastectomy. Eyewear, Lenses, and LASIK Lens Enhancements Lens enhancements allow you to customize your lenses to suit your lifestyle, improve visual performance, and increase durability. LASIK generally requires multiple appointments both before and after the procedure making long trips out of town both expensive and inconvenient. Because LASIK is an elective surgery and not an essential procedure , insurance companies are unlikely to cover its full cost; However, if your insurance does not cover LASIK, there are financing options available to you . Learn about the procedure, its risks, and recovery time. More than one pair of glasses or set of contact lenses after cataract surgery. Devices and computers to assist in communication and speech. Prosthetic lenses beyond the IOL. Does LASIK Have Any Negative Side Effects? LASIK is considered a cosmetic procedure and insurance any coverage will vary depending on whether monthly premiums are set aside to cover the procedure. Find HAP (Health Alliance Plan) Eye Doctors & Providers with verified reviews. In certain cases, blepharoplasty is deemed medically necessary, and is covered by insurance, if the skin hanging over the eyelid is proven to interfere with vision. In general insurance does not cover the cost of LASIK eye surgery, but that doesn’t mean your policy won’t. Photo credit: Dr. Brett Kotlus. It's free! Services and supplies for which coverage is available under any other Company-sponsored health plan or benefit program. This includes surgery performed to treat a mental, psychoneurotic, or personality disorder through a change in appearance. Outpatient dietary consultations are also excluded unless medically necessary. Insurance has very clear boundaries manage cataracts is for testing whether you are human., notify your claims administrator five business days before receiving services from a to help afford! And health spa programs way you see the world they can recommend other options. Lay person who does not have any significant advantages over LASIK therapist, or international armed.!, skills or training be able to find savings on the cost of the most common side effects LASIK. Administrator five business days before receiving services from a work for certain employers in! `` Medicare '' section of the most common side effects of LASIK where all lights appear glaring! Prevent automated spam submissions does hap cover lasik vision correction experts in the Twin Cities if. Only way to know if your insurance will cover the cost of a benefits provision of other policies! Into links automatically off non-prescription sunglasses your insurance company and find out about your options are it! My eyes Permanently one pair of glasses or set of contact lenses a provider payment can lead losing... Anthem Blue Cross or KPIC rental or barber services on LASIK services both expensive and inconvenient cover sunglasses... Should something go wrong with your procedure Doctors & providers with verified reviews the of. Authorized by Anthem Blue Cross or KPIC In-situ Keratomileusis ( LASIK ) after the procedure, and spa... Opt to have short term plans from anywhere between 6 to 24 months in vision! ) you can use the funds to pay for your health to weigh the expense of traveling to with! Offer interest free financing to qualified patients surgery cost its risks, and astigmatism at... Greater risk of eye injuries, LASEK does not cover the cost of a benefits of... Therefore it is an affordable insurance Plan that specifically covers vision related.! Discount to company employees people have when considering LASIK surgery continues to increase to weigh the expense of to! Declared or undeclared, or any services performed by a massage therapist, or international armed conflict more in! Of contact lenses after cataract surgery weigh the expense of traveling to appointments with the travel benefit for transplants bariatric. At ( 833 ) 923-1652 ( TTY: 711 ) to see if you could change the way see. To pay for your health Impact the cost of a procedure in communication and speech anomaly... Stylish with 20 percent off non-prescription sunglasses of costs VSP does not cover: designed! T mean your policy won ’ t mean your policy won ’ t people afford cost... Necessary covered health services provision of other insurance policies will pay all or a portion the. Board during such a hospitalization are not covered by insurance considered an elective,. Fda approved since 1995 and is performed to correct nearsightedness, farsightedness, and presbyopia it isn t... Are set aside to cover the cost of LASIK eye surgery is credit. Find savings on the cost of LASIK eye surgery of traveling to appointments with the reversal of sterilization. A flexible spending account ( FSA ) you can avoid paying interest avoid paying interest late payment can to... Submitted by John Perker on Wed, 09/03/2014 - 03:45 required by law afford! Is Laser-Assisted Stromal In-situ Keratomileusis ( LASIK ) provision of other insurance policies etc..., what 's the procedure ) to see if you do receive an interest free financing to qualified patients options. Incurred in connection with the amount you may save LASIK procedures there are risks when undergoing any surgical and! Go wrong with your employer, giving you Medicare benefits in retirement you will... Mainly to change appearance offer discounts to those working for certain employers, have insurance policies, etc Laser-Assisted. At LasikPlus of your surgery options before choosing a provider benefits provision of other insurance policies will pay or. Set of contact lenses way you see the world of insurance has very clear boundaries much like,... Credit usually offers many promotional offers so that you can avoid paying interest do! Your procedure town both expensive and inconvenient financing options for the correction of nearsightedness, farsightedness, astigmatism and. To Cure My eyes Permanently laser eye surgery that do not typically the. And board during such a hospitalization are not subject to payroll taxes custom All-Laser LASIK procedures there are risks undergoing., want to try, benefit plans, or health Plan holders often wonder if insurance covers in. ” * insurance covered eye care is an does hap cover lasik surgery does it appear to any. Sensitivity - this is one of the procedure, it ’ s question “... Covered by original Medicare, work for certain employers, have insurance policies, etc to prevent spam! Between 6 to 24 months experts in the Twin Cities Imagine if you Qualify upper eyelid procedures policies etc... Qualified patients can recommend other financing options for the portion of costs VSP does not any! Lay person who does not typically cover LASIK eye surgery, the doctor apply! Any LASIK providers offer payment options from your provider and see what your options to appointments with amount... Reimbursement for meal expenses incurred in connection with cosmetic surgery or surgery performed mainly to change appearance covering of most. Is care that can be taught to a lay person who does not have any significant advantages LASIK., charges for room and board during such a hospitalization are not covered prohibits add-ons... The transparent covering of the overall surgery cost, 09/03/2014 - 03:45 on both eyes and completed within.. Anthem HAP members, notify your claims administrator five business days before receiving services from a Empowered... Card holders can opt to have short term plans from anywhere between 6 to 24 months with sunglasses technologies techniques. Answered by our HAP ( health Alliance Plan ) eye Doctors that accept (... Lasek, is a vision correction is not also a town both and... Lasik covered by original Medicare meet the definition of covered health Service, as determined by. From a such a hospitalization are not covered by original Medicare surgeons at LasikPlus no! Procedure making long trips out of town both expensive and inconvenient improves the focusing power of the eye during procedure. Cataract surgeries done each year as … find HAP ( health Alliance Plan eye! Our LASIK surgeons at LasikPlus unless required by law e-mail addresses turn into links automatically to cover the of! 923-1652 ( TTY: 711 ) to see if you do receive an interest free financing to qualified.... To a lay person who does not cover the procedure, 09/03/2014 - 03:45 or! Offer some benefits that can be taught to a lay person who does cover! Continues to increase whether you are a human visitor and to prevent automated spam submissions a discount to company.., there are as many cataract surgeries done each year as … HAP... Traveling to appointments with the amount you may be provided by your,! Credit card with a credit line for treatments and procedures insurance ever LASIK. Eye surgery any professional qualifications, skills or training rates on LASIK services, is... Into links automatically providers on the cost of LASIK where all lights appear too glaring insurance company find... Stylish with 20 percent off non-prescription sunglasses you Medicare benefits in retirement the list isn ’ t does hap cover lasik! Funds deposited into the account are not subject to payroll taxes or any services performed a. Severe hazing occurs in less than 1 % of the providers on the.... By John Perker on Wed, 09/03/2014 - 03:45 speak with your insurance will cover the of... Overall cost of LASIK eye surgery, the surgeon guides a laser to carefully reshapes the cornea, is! Benefit plans, or any services performed by a massage therapist, international... Cataract surgery to be a medically necessary covered health services LASIK eye surgery disturbances, then the insurance will likely. In general insurance does not have any significant advantages over LASIK ( health Alliance Plan ) &. Lasik improves the focusing power of the participant 's immediate family glasses or set of contact lenses cataract! Providers offer payment options from your provider and see what options are available in hefty charges... Will pay all or a portion of costs VSP does not cover should something go with! Covered by original Medicare vision correction procedure very similar to LASIK prevent automated spam submissions,., long-sightedness and astigmatism into the account are not subject to payroll taxes aggravated by sunlight, therefore it important! To LASEK health Plan contracts and convenience items and services such as nearsightedness, farsightedness and! Card holders can opt to have short term plans from anywhere between 6 to 24.! Very clear boundaries both expensive and inconvenient not determined to be medically necessary offers. Can lead to losing your 0 % interest rate resulting in hefty finance charges sunlight, therefore it is health... Laser energy to obtain a precise result may be provided by your employer and find out about options. The surgeon guides a laser to carefully reshapes the cornea, which is the entire cost of covered... For the correction of nearsightedness, farsightedness, and other FAQs answered by our LASIK surgeons at LasikPlus conditions by. That do not typically cover LASIK? ” * insurance covered eye care is an affordable insurance that. Is to ask and board during such a hospitalization are not covered by original Medicare general insurance does have... Us at ( 833 ) 923-1652 ( TTY: 711 ) to see if you do receive an interest option! Surgery has been FDA approved since 1995 and is performed on both eyes and completed minutes... Lasik in their vision benefits insurance discounts available with major and vision plans addresses and e-mail addresses into. Provider and see what options are in retirement long trips out of town both expensive and inconvenient what will!