LASIK Coverage For Aetna Insurance

If you rely on glasses or contact lenses for vision correction, you might be curious about whether your Aetna insurance covers LASIK. The answer isn’t as straightforward as an easy “yes” or “no,” since insurance companies offer a variety of plans that run from cheap “catastrophic” plans to so-called “Cadillac” plans. 

However, some health insurance policies that Aetna offers do provide coverage for LASIK. The specifics of this coverage can vary widely depending on the details of your particular policy, making it challenging to give a definitive answer without more information.

Finding Out if Your Aetna Insurance Covers Your LASIK

Our guide will help you gather the necessary information and provide resources to check if LASIK is covered under your Aetna Insurance.

Gather Information For LASIK Coverage

Make sure you have all your insurance details ready, including your group code and policy number, found on your Aetna card.

Know the LASIK CPT insurance code

Insurance companies use a system of universal codes, known as CPT codes, to describe covered services. Laser vision correction, specifically LASIK, is identified by the CPT code S0800. When communicating with Aetna, provide this number to confirm your coverage. These codes help prevent ambiguity when determining coverage.

Does Insurance Even Cover LASIK?

Some insurance plans do cover LASIK and other laser vision correction procedures. However, confirm your coverage by checking with various sources of information.

How Can You Determine If Your Insurance Covers LASIK?

Option 1: Ask your employer or HR Department

You may be able to determine if your Aetna insurance covers LASIK by asking someone in your employer’s HR department. The HR department may be able to review your policy and advise you whether or not LASIK is covered under their current health insurance. Additionally, other options to pay for LASIK could exist in the form of Health Savings Accounts (HSAs) which can be used to pay for LASIK. While this is not insurance, strictly speaking, FSAs can help to reduce the immediate costs of the procedure.

Option 2: Ask Aetna Directly

You can also call the Aetna member services and ask them if you are covered for LASIK, SMILE, or PRK vision correction. Your member services phone number is on the back of your card, or you can call 1-888-702-3862. Specifically, ask if you have coverage for the procedure code S0800 (the insurance CPT code used to describe LASIK). When you call Aetna, make sure you have your card handy with your ID number and group number.

Option 3: Let us help you figure out if your insurance covers LASIK

The easiest way to get the answer to the question “Does my insurance cover LASIK?” is to come to the Laser Eye Institute for your complimentary initial consultation. Your LASIK coordinator will determine if your insurer covers all or part of LASIK, SMILE, or PRK.

If you don’t have coverage or your Aetna insurance benefit only offers partial coverage, we can help you figure out what alternative funding methods are available for you. In fact, scheduling a consultation with Laser Eye Institute can be one of the easiest ways to see what your coverages are. Not only will you get a free consultation, we’ll help you determine exactly what your coverages are. You can also pay for LASIK using money from your health savings account or through our 0% financing offer.

Pro Tips for Budgeting for LASIK

Pro Tip 1: Know your cost-share

Even if LASIK is a covered benefit under your plan, you may still have a deductible or copay to consider when budgeting for your vision correction. If you call Aetna or communicate with your HR department about LASIK coverage, make sure you ask for clarification regarding other costs that may be associated with the procedure.

Pro Tip 2: Check your vision insurance plan

If you have vision insurance, in addition to your medical insurance, your vision insurance may offer partial coverage, a discount plan, or a pre-negotiated rate. Remember to check your vision plan, as these are frequently offered through an employer with a separate insurance company.

Pro Tip 3: Set up your introductory consultation and we’ll help you find out.

When you bring your insurance cards or member information to your complimentary consultation, your Laser Eye Institute LASIK coordinator will check your benefit coverage directly with your insurance company or companies. We will help you determine precisely what’s covered and what out-of-pocket costs you’ll need to manage.

If you’re considering LASIK, during your initial consultation with the Laser Eye Institute, we will review every aspect of your case with you—from initial measurements of your specific vision correction needs and creation of your unique treatment plan through the actual LASIK treatment and post-op care. You’ll know exactly what to expect, including what your Aetna insurance covers and what your investment will be.

If you’re interested in finding out more about whether or not your LASIK procedure will be covered, one of the best ways is by making an appointment with Laser Eye Institute. The initial consultation is totally free and we will be able to find your coverage as well as give you all the information you need to decide if LASIK, SMILE, or PRK is right for you. Set up your initial LASIK appointment now and start seeing clearly!