Are you considering LASIK surgery to correct your vision and wondering if Cigna insurance will cover the costs?
LASIK (Laser-assisted in situ keratomileusis) is a popular elective procedure that can offer freedom from glasses and contacts, but navigating the financial aspects can be daunting.
Let’s delve into Cigna’s coverage landscape for LASIK and explore your options.
Understanding LASIK Surgery
LASIK is a type of refractive surgery that uses a laser to reshape the cornea, correcting common vision problems like nearsightedness, farsightedness, and astigmatism.
The procedure is typically performed on an outpatient basis and has a relatively quick recovery time, with many patients experiencing improved vision almost immediately after surgery.
Understanding Cigna’s Coverage for LASIK Surgery
In general, Cigna health insurance plans typically do not cover LASIK surgery, as it is considered an elective procedure rather than a medically necessary one. This means that the costs associated with LASIK are usually out-of-pocket expenses for most Cigna members.
However, Cigna does provide a valuable discount program called Healthy Rewards, which can help offset the costs of LASIK. This program offers substantial savings to participating providers, making LASIK more affordable for those covered under Cigna.
Out-of-Pocket Costs for LASIK Surgery with Cigna
Since LASIK is considered an elective procedure, you should anticipate covering the entire cost of the surgery yourself. The national average price for LASIK can range from $1,200 to $2,000 for both eyes, depending on various factors such as your location, the surgeon’s experience, and the technology utilised.
Here’s a breakdown of potential costs associated with LASIK surgery:
– Surgeon’s Fee: This fee covers the expertise and time of the surgeon performing the LASIK procedure.
– Facility Fee: The facility fee contributes to the overhead costs of the surgical centre, including equipment and staff.
– Pre-operative Consultation: You’ll undergo a comprehensive eye exam before surgery to determine your eligibility for LASIK.
– Post-operative Medications: Eyedrops are often necessary after LASIK to prevent infection and promote healing.
Cigna Healthy Rewards Program: A Discount Option
While Cigna does not directly cover LASIK surgery, their Healthy Rewards program offers a substantial discount of up to 15% at participating providers. Additionally, some providers within this program offer free enhancements for one year post-surgery.
LasikPlus is a featured network provider under the Healthy Rewards program, offering additional benefits such as bladeless technology, free consultations, affordable financing, and set prices for LASIK procedures.
To take advantage of Cigna’s Healthy Rewards program for LASIK:
- Confirm Eligibility: Check your specific Cigna plan to see if it includes access to the Healthy Rewards program. This information is usually available on your member portal or by contacting Cigna customer service. As per Cigna, the Healthy Rewards program is accessible to individuals covered under Cigna medical, vision, or dental insurance.
- Find a Participating Provider: Use the Healthy Rewards directory to locate LASIK surgeons in your area who participate in the program. The discount is not applicable to all providers that individuals may wish to use.
- Contact the Provider: Schedule a consultation with a participating provider to discuss your candidacy for LASIK and inquire about pricing under the Healthy Rewards program.
Maximising Savings on LASIK Surgery
Here are additional tips to help you maximise savings and make informed decisions about LASIK surgery:
– Compare Costs: Obtain quotes from multiple participating surgeons to ensure you’re getting the best price.
– Prioritize Quality: Choose an experienced LASIK surgeon with a proven track record, prioritising quality over cost alone.
It’s important to note that payments made through the Healthy Rewards program for LASIK surgery do not apply toward your deductible.
Alternatives to Traditional Coverage
– Health Savings Account (HSA) or Flexible Spending Account (FSA): If you have an HSA or FSA through Cigna, you can use pre-tax dollars to pay for LASIK surgery, which can significantly reduce your out-of-pocket costs.
– Discount Programs: Cigna may offer discounts or negotiated rates for LASIK procedures through certain providers. These programs can help lower the overall cost of surgery.
– Financing Options: Many LASIK providers offer financing plans with low or no-interest payment options, making the procedure more accessible and affordable over time.
Beyond Cost: Factors to Consider Before LASIK Surgery
Before opting for LASIK surgery, consider these essential factors:
– Age: LASIK is typically recommended for individuals over 18 whose vision has stabilised.
– Eye Health: Pre-existing conditions like glaucoma or dry eye can impact your candidacy for LASIK.
– Realistic Expectations: Understand that LASIK may not completely eliminate all vision issues.
Making an Informed Decision
While LASIK surgery may not be covered under typical health insurance plans like Cigna, it’s important to consider the potential benefits against the costs.
Many individuals find that the long-term savings on glasses or contacts, along with the improved quality of life, justify the expense of LASIK.
Conclusion: Making an Informed Decision about LASIK with Cigna
In summary, while Cigna does not directly cover LASIK surgery, their Healthy Rewards program offers valuable cost-saving options. By thoroughly understanding your coverage, comparing prices, and considering important factors, you can make an informed decision about LASIK that aligns with your needs and budget.
Remember, prioritising quality care from a qualified LASIK surgeon should be your top priority when considering vision correction surgery.
LASIK can be a life-changing procedure, providing enhanced vision and freedom from glasses or contacts for many individuals. If you’re covered by Cigna insurance and interested in LASIK, take advantage of the Healthy Rewards program to maximise savings and access reputable LASIK providers in your area.
With proper research and consideration, LASIK can be a worthwhile investment in your vision and overall quality of life.
