Laser eye surgery is considered to be an elective eye surgery in most cases. Because of this, most insurance companies do not typically cover laser eye surgery cost. There are of course exceptions to every rule. If you are having laser eye surgery for refractive errors that are the direct result of an injury or surgery, many insurance companies will pick up the tab. Most major insurance carriers also cover the cost of laser eye surgery for refractive errors that are considered to be very severe although there is currently no level of impairment that is considered to be standard. If you fall into one of these categories, it may be best to contact your specific insurance carrier and inquire about coverage for laser surgery.
Laser surgery typically costs around $2,000 per eye on average. Because of the high cost and the fact that most insurance plans do not cover the procedure, many laser eye surgery centers offer a financing option that will allow patients to make smaller payments. The average payment typically runs between $150 and $400 every month. The actual monthly payment depends on the amount that is financed so if you have the ability to pay for a substantial part of the procedure, your monthly payments will be much lower than the average.
Many employers also offer Flexible Spending Accounts or FSAs. If you are planning to have laser eye surgery done you should check with your particular employer and inquire about whether an FSA is available. Read more about laser eye surgery.
