Does LASIK count towards deductible?

Asked by: Prof. Riley Turcotte  |  Last update: October 11, 2025
Score: 4.7/5 (34 votes)

The downside is that Lasik discounts through your health insurance are not included in the plan's coverage. That means any costs for Lasik will fall outside of your health insurance plan's deductibles and copayments.

Does LASIK count as a medical expense?

As LASIK is a treatment to correct defective vision, it is a medical expense which can be deducted from a patient's taxes.

Is LASIK considered medical or vision?

Many health insurance companies consider LASIK an elective procedure. Elective procedures are typically procedures that are optional, nice to have done, but not medically necessary. While LASIK is often considered an elective procedure, there are times when it may be medically necessary.

Does vision count towards medical deductible?

The IRS allows you to deduct unreimbursed expenses for preventative care, treatment, surgeries, and dental and vision care as qualifying medical expenses.

How much does Lasik eye surgery cost with insurance?

The average cost of Lasik eye surgery is $2,632 per eye. When paying full price, rates typically range from $1,000 to $3,000 per eye. A discount from your health insurance company can often save you about $715 per eye, and a vision insurance discount averages a savings of $948 per eye.

24 related questions found

What is the best age to do LASIK?

LASIK: 25-40

Generally speaking, most LASIK eye surgeons agree on 25-40 as the ideal age range for LASIK eye surgery candidacy for a few reasons. By the age of 25, eyeglasses and contact lens prescriptions have most likely stabilized. A stable prescription is one of the hallmarks of a good LASIK candidate.

How to afford Lasik eye surgery?

7 Ways to Cover the Cost of LASIK Eye Surgery
  1. Tax Refunds. Use this year's federal and state tax refunds to make the cost of LASIK more affordable.
  2. Health Savings Account (HSA) or Flexible Spending Account (FSA) ...
  3. Credit Cards. ...
  4. Personal Savings. ...
  5. Personal Bank Loans. ...
  6. Loans from Family or Friends. ...
  7. Third Party Financing.

What doesn't count towards medical deductible?

Copays and coinsurance don't count toward your deductible. Only the amount you pay for health care services (like the medical bill you receive) count toward your plan's deductible.

How can I hit my deductible fast?

How to Meet Your Deductible
  1. Order a 90-day supply of your prescription medicine. Spend a bit of extra money now to meet your deductible and ensure you have enough medication to start the new year off right.
  2. See an out-of-network doctor. ...
  3. Pursue alternative treatment. ...
  4. Get your eyes examined.

Is gym membership tax deductible?

Usually, no—a gym membership is considered a personal expense and doesn't qualify as a business deduction. For example: If you're a plumber or chef, a gym membership isn't necessary to perform your job, so it wouldn't be tax-deductible.

Why won't insurance cover LASIK?

Most health insurance providers don't cover LASIK because laser vision correction is an elective procedure, not a medical necessity.

How long does LASIK last?

While the effects of LASIK surgery are permanent, the benefits can decrease over time. For most patients, the results of this surgery will last a lifetime. About 10-12% of patients nationwide will need enhancement surgery because of anatomical changes to the eye/eyes.

Who Cannot get Lasik eye surgery?

Who is Not Suitable for Laser Eye Surgery?
  • Not everyone is a good candidate for laser eye surgery. ...
  • Those who are younger than 18 years old. ...
  • Those who are pregnant or nursing. ...
  • Those who are taking certain prescription drugs. ...
  • Those whose vision is not stable. ...
  • Those who are not in good general health.

What medical expenses are not tax deductible?

Non-tax-deductible medical expenses include the following: Cosmetic procedures. Nonprescription drugs. General health purchases such as toothpaste and vitamins.

Can I claim LASIK?

No. Since laser eye surgery is an elective procedure, Medicare does not provide a rebate for the cost of the procedure.

Is laser eye surgery considered medical?

Because laser eye surgery is an elective surgery, many health insurance companies consider it cosmetic and not medically necessary.

What if I need surgery but can't afford my deductible?

In cases like this, we recommend contacting your insurance, surgeon, or hospital and asking if they can help you with a payment plan. Remember that your surgery provider wants to get paid so they may be very willing to work with you on a payment plan.

Is $1500 a high deductible?

The benefits of a high-deductible versus a low-deductible medical plan. In 2023, health insurance plans with deductibles over $1,500 for an individual and $3,000 for a family are considered high-deductible plans.

Do you pay 100% before deductible?

Let's say your plan's deductible is $2,600. That means for most services, you'll pay 100 percent of your medical and pharmacy bills until the amount you pay reaches $2,600.

What expenses are no longer deductible?

Expenses such as union dues, work-related business travel, or professional organization dues are no longer deductible, even if the employee can itemize deductions.

What is excluded from deductible?

Note that some services—like preventive care, and on some plans, generic drugs—aren't subject to the deductible or to a copay, which means you don't have to pay anything for that care.

Is LASIK worth it financially?

The national average cost of LASIK surgery is $2,436 per eye. Understandably, prospective patients may find the price of LASIK unsettling, however, most people will save money over time by having the procedure, especially those who wear contacts.

What is the true cost of Lasik eye surgery?

How Much Is LASIK Eye Surgery? The cost of LASIK surgery ranges from $1,499 to $2,499 per eye, influenced by factors such as technology, surgeon expertise, location, and additional services.

Can you really get LASIK for $250?

First of all $250 per eye is a scam. No one ever qualifies to have LASIK for that low of a price. Those candidates have a prescription that is negligible and does not affect their vision. The power they need is so small they wouldn't even buy a pair of glasses to correct that, nor would they have LASIK.