March 4, 2024

Ordinarily, Lasik is not covered by insurance, unfortunately, and while the cost of Lasik eye surgery has decreased over the past few decades, it can still be quite high. Here’s what you need to know about the cost of Lasik and the product generally. Let’s dive in!

How Much is Lasik with Insurance

Overview of Lasik

Since its introduction in 1999, Lasik (laser-assisted in situ keratomileusis) has been a leading vision correction surgery.

It’s usually done by ophthalmologists (eye surgeons) on people who have moderate refractive error but otherwise healthy eyes.

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What Affects How Much You Pay for Lasik?

According to medical experts, several factors can influence the cost of Lasik. Corrective eye surgery costs vary greatly depending on factors such as vision prescription and procedure type. They are as follows:

  • Your vision prescription: If you have a more severe prescription or specialized needs, such as astigmatism correction, Lasik may cost more.
  • Experience as a surgeon: Ophthalmologists with more training and experience typically charge a higher fee. You may also be charged more if the surgeon is well-known in the industry or in your area.
  • Lasik surgery procedure type: The bladeless Lasik procedure, which only uses lasers, is priced in the middle. Custom (wavefront) procedures are usually more expensive, while Lasik with blades and lasers or PRK is frequently less expensive.
  • Location: Lasik surgery is typically more expensive in cities and urban areas.
  • Pre- and post-operative care: Pre- and post-operative visits may not be included in the price. If a problem necessitates additional attention, the cost may be higher. There may be additional out-of-pocket expenses following Lasik surgery. Patients may need to purchase artificial tears for a few months after surgery. Artificial tears are not covered by insurance.

How Much is Lasik with Insurance?

The price of Lasik eye surgery varies greatly, ranging from $1,000 to $4,000 per eye.

According to a 2021 report in Clinical Ophthalmology, the average cost of Lasik surgery in the United States in 2020 was $2,632 per eye.

However, Lasik insurance options, on the other hand, will save you an average of 32% on surgery costs.

You can also save money by paying for Lasik with a flexible spending account (FSA) or health savings account (HSA), which exempts you from paying income tax on funds used for medical expenses.

Other Financing Options For Lasik

Other financing alternatives for Lasik include:

Financing Plans

Many surgical practices offer financing plans to assist patients in covering the cost of Lasik. There are affordable interest rates and payment plans for those who meet the criteria.

FSA or HSA

Many businesses provide artificial tears (FSAs) or health savings accounts (HSAs). These accounts allow you to save for the procedure tax-free.

Lasik is a medical procedure that can be paid for with FSA or HSA funds. Using FSA or HSA funds to pay for Lasik reduces overall tax liability.

Credit Card

Using a credit card to pay for Lasik surgery can be a great way to save money. Some new credit cards give you a year or more to pay off your balance. Others may be free of interest.

Other credit cards allow you to earn rewards, points, miles, and cash refunds on your payments

You may be able to find credit cards that allow you to transfer a balance and receive an additional interest-free period. This may allow you to pay for your Lasik surgery over time. For more information, contact your credit card company.

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