Services that are provided or a hospitalization that begins before coverage begins or after it ends, except as specifically noted elsewhere or unless the coverage began under another Company-sponsored medical plan. A smaller insurance company, Pacific Prime, considers cataract surgery to be medically necessary. Light Sensitivity - This is one of the most common side effects of LASIK where all lights appear too glaring. Show your HAP member ID card and save 20% on massage therapy, reiki and acupuncture treatments at locations throughout metro Detroit. In general insurance does not cover the cost of LASIK eye surgery, but that doesn’t mean your policy won’t. Services that do not meet the definition of covered health services. long time contacts wearer but new to day & nights, want to try. These plans may be provided by your employer, giving you Medicare benefits in retirement. Talk with your insurance company and find out exactly what they will and will not cover should something go wrong with your procedure. Your first post-operative appointment will be 24 to 48 hours after your LASIK eye surgery. Lines and paragraphs break automatically. Services or supplies primarily for weight reduction or treatment of obesity, unless they are determined to be medically necessary covered health services and authorized by a, surgical treatment of morbid obesity is necessary to treat another life-threatening condition involving morbid obesity, and, it has been documented that non-surgical treatments of the morbid obesity have failed, and. For example, charges for room and board during such a hospitalization are not covered. The LASIK surgeon creates a tiny flap on the surface of the cornea and then the excimer laser (cool beam of light) gently reshapes the exposed cornea. Cheaper isn’t always better, but you may be able to find savings by choosing your provider and the type of LASIK surgery you get carefully. Speak with Your Health Insurance Provider If you want to ditch your glasses, but are having trouble figuring out how to pay, consider these 4 tricks for getting free or discounted Lasik. Undercorrection – During laser eye surgery, the doctor will apply a specific amount of laser energy to obtain a precise result. This insurance plan does not cover: Sunglasses designed to reduce, prevent, or manage cataracts. Any services in connection with medical exams or tests not connected with the care and treatment of an actual illness, disease, or injury, except services that Anthem Blue Cross or KPIC as Claims Administrator determines are standard preventive or well-care services (such as annual physical examinations, mammograms and colonoscopies) that are provided in accordance with Anthem Blue Cross or KPIC's guidelines. Alternative treatments such as acupressure, aromatherapy, hypnotism, rolfing and other forms of alternative treatment, as defined by the Office of Alternative Medicine of the National Institutes of Health. surgical treatment has been approved by Anthem Blue Cross or KPIC. The only way to know if your insurance will cover the cost is to ask. LASIK improves the focusing power of the eye to treat short-sightedness, long-sightedness and astigmatism long term. Many even offer interest free financing to qualified patients. Photo credit: Dr. Brett Kotlus. Call for a Free Consultation: 1-877-274-1797 Such surgeries are covered in many European and Asian countries. After the laser treatment is finished, the epithelial tissue is repositioned on the surface of the eye to cover the lasered stroma, and a bandage contact lens is placed on the eye to keep the epithelium in place as it heals. Some insurance policies will pay all or a portion of the overall surgery cost. As of July 7, 2016, a new Medicare rule prohibits such add-ons of cosmetic upper eyelid procedures. Laser Epithelial Keratomileusis, or LASEK, is a vision correction procedure very similar to LASIK. All appointment times are guaranteed by our HAP (Health Alliance Plan) … Air purifiers, air conditioners and humidifiers. In some cases it is best to save up for the procedure and pay cash upfront while other times you may be able to find a great payment option. What is it, what's the procedure, and other FAQs answered by our LASIK surgeons at LasikPlus. Cosmetic procedures are excluded from coverage. Orthopedic shoes (except when joined to braces) or shoe inserts, such as orthotics, even if recommended by your physician, unless for diabetes-related conditions. Henry Ford OptimEyes: Protect your eyes and stay stylish with 20 percent off non-prescription sunglasses. However, it is important to weigh the expense of traveling to appointments with the amount you may save. Resume activities based on your doctor's instruction. Everybody reacts differently to the laser, and if you have serious nearsightedness, farsightedness or astigmatism (in this example, 9.00 diopters of correction) you have a 12-15% chance of being undercorrected and needing a second round of LASIK surgery … Dental and orthodontia services, including braces, bridges, and guards, or X-ray exams involving one or more teeth, the tissue or structure around them, the alveolar process, or the gums. Web page addresses and e-mail addresses turn into links automatically. If you have a flexible spending account (FSA) you can use the funds to pay for your LASIK surgery. Services or supplies in connection with custodial care. LASIK surgery has been FDA approved since 1995 and is performed to correct nearsightedness, farsightedness and astigmatism. However, because it isn’t considered a medical necessity, rarely is the entire cost of LASIK covered by insurance. In an epi-LASIK procedure, your surgeon separates the epithelium from the middle part of the cornea (stroma) using a mechanized blunt blade device (epikeratome) and reshapes the cornea with a laser. Services or supplies that are not covered health services, which include all services that are not, For Anthem HAP members, charges in excess of the reasonable and customary charges (R&C), as determined by Anthem Blue Cross (see ", For KPIC HAP members, charges in excess of eligible charges, as determined by KPIC (see ". It is neither carcinogenic nor does it appear to cause any other serious illness. Since cataracts are common and cause serious vision loss, most health insurance policies (most vision insurance won’t actually help here) cover surgery to remove them and implant a monofocal lens. Even if your insurance carrier won’t pay for the procedure, they may have negotiated a discount with some providers for their clients. 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