LASIK eye surgery has become a popular vision correction procedure for those looking to reduce dependence on glasses or contact lenses. However, one of the most common concerns is whether insurance providers like Aetna cover the cost of LASIK. In this guide, we’ll break down Aetna’s coverage policies, alternative payment options, and what you need to know before scheduling your procedure.
Does Aetna Insurance Cover LASIK Eye Surgery?
Aetna, like most major insurance providers, typically considers LASIK an elective procedure and does not cover it under standard health insurance plans. Since LASIK is not medically necessary, it is classified as an out-of-pocket expense for most Aetna policyholders.
However, Aetna may offer discount programs or vision plans that provide reduced rates for LASIK at select providers. These discounts can help lower the overall cost of the surgery.
How Do I Know If My Aetna Insurance Covers LASIK?
To check your specific coverage, follow these steps:
- Review Your Policy: Log into your Aetna account or check your policy documents to see if LASIK is listed as a covered service.
- Contact Aetna Customer Support: Call the customer service number on your insurance card and ask if your plan includes LASIK benefits or discounts.
- Ask Your LASIK Provider: Some LASIK centers partner with Aetna to offer discounted pricing. Your eye surgeon’s office can verify if you qualify for any Aetna discounts.
Does Aetna Vision Cover LASIK or Vision Therapy?
Aetna offers vision insurance plans that cover routine eye exams, glasses, and contact lenses. However, most of these vision plans do not cover LASIK. Some plans may cover vision therapy, which is designed for eye conditions like lazy eye (amblyopia) or binocular vision disorders, but LASIK is still considered elective.
How Much Does LASIK Surgery Cost with Insurance?
The cost of LASIK varies based on several factors, including the surgeon’s expertise, technology used, and your location. On average, LASIK costs between $2,000 and $3,500 per eye. If Aetna offers a discount program, you may be able to reduce the cost by 10% to 25% at participating providers.
Does Aetna Medicare Cover Eye Surgery?
If you are on Aetna Medicare, certain eye surgeries may be covered, but only if they are medically necessary. For example:
- Cataract surgery is covered under Medicare since it is considered necessary to restore vision.
- Glaucoma treatment, retinal surgery, and corneal transplants may also be covered under Aetna Medicare.
- LASIK is generally NOT covered, unless it is medically necessary due to an injury or specific medical condition.
Alternative Ways to Pay for LASIK
If Aetna doesn’t cover LASIK, here are some alternative ways to make the procedure more affordable:
✅ Flexible Spending Account (FSA): If your employer offers an FSA, you can use pre-tax dollars to cover LASIK costs.
✅ Health Savings Account (HSA): If you have a high-deductible health plan with an HSA, you can use those funds for LASIK.
✅ Financing Options: Many LASIK centers offer payment plans or 0% financing to help spread out the cost.
✅ LASIK Discount Programs: Some Aetna plans may include LASIK discount benefits through partnered providers.
Final Thoughts: Is LASIK Covered by Aetna?
While Aetna does not typically cover LASIK eye surgery, some members may qualify for discounts through Aetna’s vision plans or provider networks. If you’re considering LASIK, check your policy, explore financing options, and ask your surgeon about potential savings.
Would you like help checking your Aetna plan’s LASIK benefits? Contact your provider today to learn more!
