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- . Talk with your insurance company and find out exactly what they will and will not cover should something go wrong with your procedure. LASIK surgery can help patients reduce or, in some cases, eliminate their … 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 . Submitted by John Perker on Wed, 09/03/2014 - 03:45. One of the main concerns people have when considering LASIK surgery is the cost of the procedure. Eyewear, Lenses, and LASIK Lens Enhancements Lens enhancements allow you to customize your lenses to suit your lifestyle, improve visual performance, and increase durability. Show your HAP member ID card and save 20% on massage therapy, reiki and acupuncture treatments at locations throughout metro Detroit. Some insurance policies will pay all or a portion of the overall surgery cost. HAP also offers employer-sponsored Medicare plans. If you have a flexible spending account (FSA) you can use the funds to pay for your LASIK surgery. As of July 7, 2016, a new Medicare rule prohibits such add-ons of cosmetic upper eyelid procedures. Call for a Free Consultation: 1-877-274-1797 Care credit usually offers many promotional offers so that you can avoid paying interest. Services in connection with the reversal of voluntary sterilization. Medical or surgical treatment of excessive sweating (hyperhidrosis) except when medically necessary. 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. It is neither carcinogenic nor does it appear to cause any other serious illness. In general insurance does not cover the cost of LASIK eye surgery, but that doesn’t mean your policy won’t. Condition can be further aggravated by sunlight, therefore it is important to protect your eyes with sunglasses. They can recommend other financing options for the portion of costs VSP does not cover. Another laser eye surgery, called epi-LASIK or e-LASIK, is very similar to LASEK. Your first post-operative appointment will be 24 to 48 hours after your LASIK eye surgery. Custodial care is defined as care provided primarily to assist an individual in meeting the activities of daily living including, but not limited to, walking, bathing, dressing, eating, preparation of special diets, changing catheters, and supervision over self-administration of medications not requiring constant attention of trained medical personnel. Services for a surgical procedure to correct refraction errors of the eye, including any confinement, treatment, services or supplies given in connection with, or related to, the surgery. This question is for testing whether you are a human visitor and to prevent automated spam submissions. It's free! Your employer will be able to tell you of any LASIK providers offering a discount to company employees. Benefits provided under the extension of a benefits provision of other insurance policies, benefit plans, or health plan contracts. 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. long time contacts wearer but new to day & nights, want to try. These plans may be provided by your employer, giving you Medicare benefits in retirement. 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. 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. Such surgeries are covered in many European and Asian countries. By Vance Thompson, MD During a comprehensive eye exam, your eye doctor will determine how much nearsightedness (myopia), farsightedness (hyperopia) and/or astigmatism you have and write an eyeglass prescription that specifies the lens powers required to correct these refractive errors. LASIK surgery has been FDA approved since 1995 and is performed to correct nearsightedness, farsightedness and astigmatism. Although insurance does not typically cover the cost of LASIK surgery, there are many other options available. 1. Laser vision correction experts in the Twin Cities Imagine if you could change the way you see the world. Even if your insurance carrier won’t pay for the procedure, they may have negotiated a discount with some providers for their clients. Personal comfort and convenience items and services such as guest meals, television rental or barber services. Ask them about potential discounts and see what options are available. 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. Devices and computers to assist in communication and speech. Procedures that correct a congenital anomaly without improving or restoring physiologic function are considered cosmetic procedures. Even if you don’t have a flexible spending account, you may be able to set one up and start using the account to save for the procedure. 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. Vision Service Plan (VSP) is an affordable insurance plan that specifically covers vision related needs. Outpatient dietary consultations are also excluded unless medically necessary. However, because it isn’t considered a medical necessity, rarely is the entire cost of LASIK covered by insurance. 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. In an epi-LASIK procedure, your surgeon separates the epithelium from the middle part of the cornea (stroma) using a mechanized blunt blade device (epikeratome) and reshapes the cornea with a laser. Because it is an elective procedure, it’s generally not covered by original Medicare. Much like LASIK, LASEK is used for the correction of nearsightedness, farsightedness, astigmatism, and presbyopia. Insurance will cover the cost of medically necessary eye surgery, such as surgery for cataracts that are interfering with a patient’s daily activities. LASIK improves the focusing power of the eye to treat short-sightedness, long-sightedness and astigmatism long term. Intraocular lens (IOL) implants are artificial lenses that help clear up your vision after cataract surgery. While your insurance may not cover the cost of the initial procedure, they may be willing to cover expenses associated with complications should they occur. Does this matter for your health? Is Laser Eye Surgery going to Cure my eyes Permanently? Speak with Your Health Insurance Provider Prior to the application of laser, a thin cornea flap is created using a specialised blade (microkeratome) or by using another specialised laser (femtosecond laser). The only way to know if your insurance will cover the cost is to ask. Resume activities based on your doctor's instruction. Air purifiers, air conditioners and humidifiers. 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. Can I have laser eye surgery? Usually the world of insurance has very clear boundaries. Your location will also impact the cost of a procedure. Learn more about HAP Empowered Duals (HMO SNP) for Genesee, Macomb, Oakland and Wayne county residents. Does My Eyeglass Prescription Qualify For LASIK? Services or supplies primarily for weight reduction or treatment of obesity, unless they are determined to be medically necessary covered health services and authorized by a, surgical treatment of morbid obesity is necessary to treat another life-threatening condition involving morbid obesity, and, it has been documented that non-surgical treatments of the morbid obesity have failed, and. The Type of Surgery You Get Will Impact Price. This includes surgery performed to treat a mental, psychoneurotic, or personality disorder through a change in appearance. The end results improve your vision to reduce your dependence on eyeglasses or contact lenses. Make an appointment online instantly with Dermatologists that accept HAP (Health Alliance Plan) insurance. Reimbursement for meal expenses incurred in connection with the travel benefit for transplants, bariatric surgery or transgender surgery. Please call us at (833) 923-1652 (TTY: 711) to see if you qualify. Light Sensitivity - This is one of the most common side effects of LASIK where all lights appear too glaring. In general LASIK is more affordable in larger cities than in smaller communities. Treatment for conditions caused by war or aggression, declared or undeclared, or international armed conflict. Prosthetic lenses beyond the IOL. Look into all of your surgery options before choosing a provider. Henry Ford Ophthalmology offers preferred rates on LASIK services. 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. If the answer is “yes”, then they will cover it if you spend 10 hours on the phone with them over five different phone calls. Today’s question is “Will insurance ever cover LASIK?”* Insurance covered eye care is an interesting thing. This can save you a substantial amount of money since the funds deposited into the account are not subject to payroll taxes. 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. 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. Acetone, on the other hand, is not an ozone generator either, nor is it considered by the EPA to be particularly harmful. Services or supplies that are not determined to be covered health services, including any confinement or treatment given in connection with a service or supply that is not covered under the Plan. Henry Ford OptimEyes: Protect your eyes and stay stylish with 20 percent off non-prescription sunglasses. Unless exceptions to the following are specifically noted elsewhere in this Handbook, no benefits are provided for the following: Medical Coverage for Participants on Long-Term Disability, Mental Health and Substance Abuse Coverage, Rules, Regulations & Administrative Information, Medical Coverage for Medicare-Eligible Participants, Emergency, Post-Stabilization, and Out-of-Area Urgent Care Received from Non-Network Providers – KPIC HAP, Reductions/Exclusions for Duplicate Coverage, For KPIC HAP members, any non-emergency service received from a non-network provider or facility, unless such services are Authorized Referrals, emergencies or out-of-area. All appointment times are guaranteed by our HAP (Health Alliance Plan) Dermatologists & Providers. 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. 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 ". Web page addresses and e-mail addresses turn into links automatically. The only way to know if your insurance will cover the cost is to ask. Photo credit: Dr. Brett Kotlus. 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. The good news is that some policies do offer some benefits that can help people wanting LASIK. Is it safe? Services or supplies for or in connection with: Exams to determine the need for (or changes of) eyeglasses or lenses of any type (Anthem HAP only); Eyeglasses or lenses of any type except as follows: Eyeglasses or lenses when needed to replace loss of the natural lens (for Kaiser members, this benefit is only available for children from birth to age 9); For Anthem HAP members: the initial pair of eyeglasses or contact lenses after eye surgery; Contact lenses provided after aphakia or aniridia surgery only, Lenses to treat the absence of eye iris (limit of two every 12 months), Eye surgery such as radial keratotomy or lasik surgery; or. Surgery to reconstruct a breast after a mastectomy. Does insurance cover laser eye surgery? One such need is Laser-Assisted Stromal In-situ Keratomileusis (LASIK). However, it is important to weigh the expense of traveling to appointments with the amount you may save. Custom All-Laser LASIK Procedures There are worthwhile insurance discounts available with major and vision plans. Epithelial laser-assisted in-situ keratomileusis (epi-LASIK). For example, charges for room and board during such a hospitalization are not covered. If you want to ditch your glasses, but are having trouble figuring out how to pay, consider these 4 tricks for getting free or discounted Lasik. Find HAP (Health Alliance Plan) Dermatologists & Providers with verified reviews. Make an appointment online instantly with Eye Doctors that accept HAP (Health Alliance Plan) insurance. Services and supplies for which coverage is available under any other Company-sponsored health plan or benefit program. It is care that can be taught to a lay person who does not have any professional qualifications, skills or training. What is it, what's the procedure, and other FAQs answered by our LASIK surgeons at LasikPlus. LASIK eye surgery can correct vision problems, such as nearsightedness, farsightedness, and astigmatism. Undercorrection – During laser eye surgery, the doctor will apply a specific amount of laser energy to obtain a precise result. Working with laser surgery centers, VSP vets surgeons and ophthalmologists to ensure you get the best care so you can have great vision after LASIK. It is a credit card designed for your health. Providers may also offer special seasonal deals or discounts; waiting until you can get the best price may help you to be able to afford the procedure. Services or supplies to the extent furnished by any law or government, unless required by law. Most large health insurance and vision plans do not typically cover LASIK eye surgery. Because FSAs or HSAs can be used to cover some or all of the cost for LASIK surgery, they are a popular financing option and a smart long-term investment. Physical and/or occupational therapy that is not determined to be a medically necessary covered health service, as determined solely by Anthem Blue Cross or KPIC. Services that are educational in nature, unless specifically authorized by Anthem Blue Cross or KPIC. 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. Laser Epithelial Keratomileusis, or LASEK, is a vision correction procedure very similar to LASIK. In general insurance does not cover the cost of LASIK eye surgery, but that doesn’t mean your policy won’t. Alternative treatments such as acupressure, aromatherapy, hypnotism, rolfing and other forms of alternative treatment, as defined by the Office of Alternative Medicine of the National Institutes of Health. 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. Just like other 0% offers, you just need to make your minimum monthly payments and paying the full amount by the end of the promotional period. While it is possible to have this type of surgery covered by VSP, there are some caveats and requirements in place which you must follow. Services or supplies furnished in connection with cosmetic surgery or surgery performed mainly to change appearance. Cheaper isn’t always better, but you may be able to find savings by choosing your provider and the type of LASIK surgery you get carefully. Services and supplies furnished in connection with surgical procedures for gender reassignment surgery, unless medically necessary as determined by Anthem Blue Cross or KPIC. Massage therapy, if performed by a massage therapist, or any services performed by a massage therapist who is not also a. 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. 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. Orthopedic shoes (except when joined to braces) or shoe inserts, such as orthotics, even if recommended by your physician, unless for diabetes-related conditions. Find HAP (Health Alliance Plan) Eye Doctors & Providers with verified reviews. If a cataract causes visual disturbances, then the insurance will most likely pay toward the cost of the procedure. Care credit is a health care credit card with a credit line for treatments and procedures. Always read the fine print before agreeing to financing to ensure that you aren’t paying extra for the procedure in exchange for receiving financing. 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 . LASIK generally requires multiple appointments both before and after the procedure making long trips out of town both expensive and inconvenient. Does LASIK Have Any Negative Side Effects? 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. Find all the information you need about LASIK. Card holders can opt to have short term plans from anywhere between 6 to 24 months. Exercise programs, exercise monitoring, exercise equipment, and health spa programs. There are risks when undergoing any surgical procedure and LASIK is no different. Since cataracts are common and cause serious vision loss, most health insurance policies (most vision insurance won’t actually help here) cover surgery to remove them and implant a monofocal lens. Learn about the procedure, its risks, and recovery time. What the HAP Doesn't Cover Unless exceptions to the following are specifically noted elsewhere in this Handbook, no benefits are provided for the following: For KPIC HAP members, any non-emergency service received from a non-network provider or facility, unless such services are Authorized Referrals, emergencies or out-of-area urgent care . If you do receive an interest free option, find out about all the restrictions. Although LASIK vision correction is not a cosmetic procedure, it is considered an elective surgery. Many LASIK providers offer payment options to help people afford the cost of surgery. 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. surgical treatment has been approved by Anthem Blue Cross or KPIC. 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. There are as many cataract surgeries done each year as … More than one pair of glasses or set of contact lenses after cataract surgery. Some providers offer discounts to those working for certain employers or in certain industries. For Anthem HAP members, notify your claims administrator five business days before receiving services from a. 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