Does Insurance Cover LASIK? What FSAs & HSAs Allow

Short answer: Major medical plans usually do not cover elective LASIK. Many people pay with cash, financing, and FSA/HSA funds.

Why medical insurance typically does not cover LASIK

LASIK is an elective refractive procedure designed to reduce dependence on glasses or contacts. Because it is elective (and not medically necessary for most people), major medical plans generally exclude it from covered benefits.

Exceptions and discounts

• Medical necessity: Rare scenarios (e.g., trauma, significant anisometropia after other eye surgery) may be reviewed case‑by‑case. Documentation and prior authorization are usually required.
• Discount programs: Some plans or vision discount networks have negotiated LASIK rates. These are not insurance benefits; they are price reductions at participating clinics.

What about vision insurance?

Vision plans focus on routine eye exams and eyewear. They may include LASIK discount networks but typically do not pay benefits toward the surgery itself.

FSA/HSA rules

• Eligible expense: LASIK is generally eligible for Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA).
• Paying with pre‑tax dollars: Using FSA/HSA reduces your effective out‑of‑pocket cost. Keep itemized receipts and your surgeon’s invoice for documentation.
• Timing tips: Coordinate your surgery date with FSA plan years. HSA funds roll over year to year.

Will my pre‑op or post‑op visits be covered?

Pre‑op testing and post‑op follow‑ups are often bundled in the LASIK quote. If a clinic bills a medically necessary evaluation or treats a complication, that visit could be billed to medical insurance per plan terms. Ask your clinic how they handle billing in these situations.

How to check your coverage quickly

1. Call your medical plan and ask whether elective refractive surgery (LASIK/PRK/SMILE) is covered. Expect “excluded.”
2. Ask whether your plan offers any LASIK discount network.
3. If you have an FSA or HSA, confirm you can use funds for LASIK and what documentation you will need.
4. Get a written, all‑in quote from your chosen clinic and then decide how to split between cash, financing, and FSA/HSA.

Bottom line: Plan on paying out‑of‑pocket, ideally with pre‑tax funds and a financing option that fits your budget. Focus on surgeon quality and aftercare as you compare prices.