Laser eye surgery is a rapidly growing trend in different parts of the world, with people preferring to strengthen their eyesight through this latest technology, instead of opting for optical glasses or lenses. Having a laser surgery can be an expensive procedure and may have an adverse effect on your budget, especially if you are living on a limited income.
It is extremely unfortunate that laser surgery is not covered by most health insurance companies. However, there are some companies which cover this expensive treatment and you must thoroughly check if your insurance offers this facility or not before you pay the bills out of your own pocket. If you plan to have laser surgery in future, you should select the insurance company accordingly, even if you have to pay a few additional bucks for that.
Follow the below-mentioned steps in order to verify if your insurance company covers laser surgery:
Read your Insurance Policy Carefully
It is highly recommended that you read your insurance policy carefully before selecting it, although most people adopt a lackluster approach unless or until they are facing a medical emergency. If you are one of them, who did not go through the insurance policy before adopting it, you should definitely read it prior to taking an appointment from an eye specialist. If you are lucky, you may find that it is being covered by your medical insurance.
If the surgery is associated with a disease that has been covered by the insurance or if the surgery is done to restore complete vision, chances are that surgery will be covered. If your spouse or any other family member has a different insurance plan then you should check that as well.
Ask your Surgeon
Before you take an appointment for laser surgery, you should ask the surgeon if he/she knows any insurance plan that covers this treatment. If you get this information in time, you can switch your insurance company or get an additional plan for a limited period. Keep in mind that most health experts do know about the most effective health insurance.
Call the Customer Service
If you do not have enough time to read the complete insurance policy, you should call the customer service of your insurance company and take detailed information about their policy about laser treatment for eye. If you are not satisfied with the information you are getting from the customer service representative, it is advised that you talk to the supervisor and see what he/she can do for you.
Look for Flex Plans
Some companies offer a secondary kind of health insurance, Flex Plans, which is attached to your main insurance. These Flexible Spending Accounts are normally designed to help people cover treatments that do not fall under the main insurance plan.