If you’re living with glasses or contact lenses (or both) for vision correction, you may be wondering, does my Blue Cross Blue Shield (BCBS) insurance cover LASIK? While we wish there were a simple answer to that question, there isn’t.
Some health insurance policies, including BCBS, cover LASIK. Though it’s difficult to answer that question without knowing more details about your specific policy, coverage can vary even within a company depending on the particular plan.
Our guide will help you gather the information you need and then provide resources to determine if LASIK is covered under your Blue Cross Blue Shield Insurance.
Gather Information For LASIK Coverage
Make sure you have all of your insurance information. You will need both your group code and policy number located on your Blue Cross Blue Shield card.
Know the LASIK CPT insurance code
Insurance companies use a system of universal codes, called CPT codes, to describe services that they cover. Laser vision correction, more specifically, LASIK, is represented by the universal CPT code: S0800. (You’ll need this later on.)
Option 1: Ask your employer or HR Department
You may be able to determine if your BCBS insurance covers LASIK by asking someone in your employer’s HR department to help you determine if you have coverage for laser vision correction and how much applies. Figure out what vision correction coverage you have and how it applies.
Option 2: Ask Blue Cross Blue Shield Directly
You can also call the BCBS 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 313-225-9000. Specifically, ask if you have coverage for the procedure code S0800 (the insurance CPT code used to describe LASIK).
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 BCBS insurance benefit only offers partial coverage, we can help you figure out what alternative funding methods are available for you. You can also pay for LASIK expenditures using monies from your health savings account or through our 0% financing offer.
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.
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 well.
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 BCBS insurance covers and what your investment will be.
See clearly sooner. Set up your initial LASIK appointment now: Schedule My Consultation