Can Insurance Cover A Part Of Lasik Surgery Cost In NY?

Lasik surgery is one of the most popular methods for vision correction. It is a refractory laser surgery that is used to treat many vision problems. During the Lasik eye surgery, your cornea is reshaped using laser precision to improve vision. While it is a popular treatment for vision correction, it is also quite expensive for many people. On average, the Lasik surgery cost in NYC can range from $3000 to $6000 for both eyes if you have to pay it all yourself. As LASIK is usually an elective treatment, it is not covered under any Lasik Health Insurance in NY. However, If Lasik is termed as a necessary medical procedure for you, some insurance companies may cover a part of the Laser eye surgery cost in NY. But it is not the case most times.

When does your insurance cover the Lasik cost in NY?

Your insurance may cover the Lasik cost if it is termed as “medically necessary” for you. It applies in the following cases usually:

• If you are incapable of wearing glasses due to some disability or injury,
• If you have previously undergone any Lasik treatment,
• If Lasik is the only option left for correcting your refractive vision errors,
• If an accident or injury leads to Refractive Errors which can only be resolved by LASIK

However, if your procedure is considered elective or cosmetic, your insurance will not cover it. Therefore, you need to first determine if it is the ideal option for you.

Is Lasik the best option for you?

Lasik can be an ideal option for you if you suffer from one of these vision problems:

1. Nearsightedness or Myopia
2. Farsightedness or hyperopia
3. Astigmatism

You can consult with an expert Lasik surgeon to evaluate whether Lasik is the best option for you. If you are wearing glasses or contacts and simply want a permanent solution to get rid of them permanently, then Lasik is an excellent option that offers long-lasting results.

However, LASIK surgery is usually not an ideal option for you in the following condition:

• If you have an eye disease that affects thinning or thickness of the cornea
• if you have a family history of vision disease
• If other minor treatments can fix your vision easily
• If you have a severe nearsightedness condition
• If there are any risks involved with having very extended pupils or thin corneas
• If the eye changes are due to age-related causes and are creating vision problems
• If you participate in any extreme sports where you can suffer blows to the face.

What to do when insurance cannot cover Lasik?

If you’re considering LASIK surgery, you need to consult with your doctor about your options. If the procedure is optional, your insurance will not cover it as it is not a necessary medical procedure. In that case, the best option for you is to explore alternative financing options.

If you’re planning to finance your Lasik, consider multiple options like CareCredit, a local bank or credit union, the in-house financing options from your eye surgeon, or even applying for a new zero-interest credit card. Utilizing a mix of these various financing options will help you afford the Lasik surgery cost in NYC better even when there is no Lasik health insurance in NY. While this won’t reduce how much you pay for the procedure, it may help reduce the amount of interest you end up paying for a high-interest financing option.

If you have any concerns and questions about the procedure, you should consult with your doctor. Your doctor will be able to guide you on whether you’re a candidate for this treatment.