As much as there could be possibilities where the entire expenses or part of the expenses can be covered by some health insurance policies, there are much more instances where a health insurance company would not cover Laser Eye Surgery's expenses or even just any part of it.
After all, these insurance companies have their own reasonable reasons and you might not be playing your cards well, that is, you do not fully disclose your case and you don't provide enough papers to convince them of why your health insurance policy should aid you in covering your expenses.
Here are a few reasons why some health insurance policy will not cover all or part of the expenses for a Laser Eye Surgery or LASIK eye surgery (acronym for Laser-Assisted In Situ Keratomileusis).
The most common reason why such expenses are rejected by insurance companies is because most of them see this type of operation as a luxury surgery.
A luxury surgery is any surgery that is not really required to restore the normal functioning of the body but is only done to improve a person's appearance.
Liposuction, face lifting, and unnecessary facial reconstruction are two of the operations that undoubtedly belong to luxury surgery.
In some cases, opting for orthognatic surgery that is not related to sleep apnea is also considered as a luxury surgery.
Once a Laser Eye Surgery has been considered as a luxury surgery by your insurance company, then there is no way that you could have any covering from your health insurance policy and you will have to shoulder all the expenses on your own.
However, if a qualified doctor has recommended you to apply for a Laser Eye Surgery, then your chances of being covered by your health insurance policy increases.
This is because from being a luxury surgery, you case is now considered as an elective surgery.
All you need to do now is to provide all the necessary documents to convince the insurance company that you really needed to have this operation and not just as a want since you already have the doctor's written recommendation.
In some instances, there are also cases where one does not fully disclose the break-down of the surgery's expenses.
Whenever this happens, the insurance policy immediately turns down the covering of any part of the expense so be sure to disclose the break-down of the expenses to see if any of those expenses can be covered by your health insurance policy.