Does LASIK count towards your deductible?

Asked by: Prof. Salvador Bechtelar Sr.  |  Last update: October 17, 2025
Score: 4.7/5 (29 votes)

LASIK surgery can be claimed as a medical tax deduction, though you must meet a medical spend threshold and itemize your deductions to qualify. A common way to save money on laser eye surgery is to use a flexible spending account (FSA) or health savings account (HSA).

Is LASIK ever covered by insurance?

In most cases, no. LASIK is considered an elective procedure, which means it typically isn't covered by insurance. However, some insurance companies may offer partial coverage or discounts for LASIK surgery. It's always worth inquiring with your insurer to see if they offer any LASIK discounts or special arrangements.

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.

Does LASIK count as surgery?

LASIK is a type of refractive eye surgery. In general, most people who have laser-assisted in situ keratomileusis (LASIK) eye surgery achieve 20/20 vision or better, which works well for most activities. But most people still eventually need glasses for driving at night or reading as they get older.

6 Reasons Why You Should Get Rid of Your Contact Lenses - #shorts

43 related questions found

Does LASIK go towards deductible?

The IRS defines medical expenses as, "the costs of diagnosis, cure, mitigation, treatment, or prevention of disease, and the costs for treatments affecting any part or function of the body." As LASIK is a treatment to correct defective vision, it is a medical expense which can be deducted from a patient's taxes.

How long after LASIK can I see 20/20?

While most folks reach 20/20 vision within a few weeks or months, it might take longer for others. Your vision can even improve up to six months after LASIK!

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.

Does Blue Cross Blue Shield cover LASIK?

To sum up, the Blue Cross Blue Shield plans' coverage for LASIK eye surgery differs based on the particular insurance policy, the policyholder's region, and their plan type. While some BCBS plans might provide LASIK patients discounts or partial coverage, others would not.

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.

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.

Do you have to pay your deductible before surgery?

In other situations, including a pre-scheduled surgery, the hospital or other providers can ask for at least some payment upfront. But in most cases, a health plan's network contract with the hospital or other medical provider will allow them to request upfront payment of deductibles, but not to require it.

How to get free LASIK?

Many disreputable operations will advertise free LASIK, and it's essentially a scam. As the saying goes, nothing in life is free. For your vision's safety, it is better to find methods like flexible spending accounts (FSAs), health savings accounts (HSAs), or other health insurance benefits to reduce the cost.

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.

Is LASIK worth it?

LASIK boasts high success and satisfaction rates, with most patients achieving 20/20 vision or better, and technological advances have made the procedure safer and more precise than ever.

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.

How bad do your eyes have to be for insurance to cover LASIK?

Medical Necessity: Insurance companies may cover LASIK if it is deemed medically necessary to correct significant vision problems that impact daily functioning. This includes severe nearsightedness (myopia), farsightedness (hyperopia), or astigmatism that cannot be adequately corrected with glasses or contact lenses.

What disqualifies you from LASIK?

When is LASIK not for me?
  • You required a change in your contact lens or glasses prescription in the past year. This is called refractive instability. ...
  • You have a disease or are on medications that may affect wound healing. ...
  • You actively participate in contact sports. ...
  • You are not an adult.

At what age is LASIK not worth it?

How Old is Too Old for LASIK? Surgeons at The Eye Institute of Utah have performed LASIK on patients in their 50's and beyond. While there is no cutoff age for LASIK candidacy, there are several reasons why the average age of LASIK patients tops out around 45: The risk of developing cataracts increases as we age.

Is LASIK surgery painful?

During LASIK or SMILE, patients do not feel pain. There is a brief moment lasting 30-40 seconds when the LASIK flap or SMILE lenticule is being created where patients feel a sensation of pressure on the eye. Some describe this as feeling similar to wearing a tight pair of swimming goggles.

How long after LASIK can I drive?

The length of time each patient must wait to drive after LASIK surgery will vary based on the individual. However, most people are given their doctor's approval to drive as soon as the day after surgery. A post-op exam will be performed the day after surgery.

Why is my vision blurry 5 years after LASIK?

There are times that blurry vision a few years after LASIK is absolute because the treatment has “worn off.” In those cases, the epithelium (that covers the surface of the eye) increases in thickness where the laser treated the cornea.

What vision is too bad for LASIK?

These are the FDA limits for LASIK surgery as outlined by the American Refractive Surgery Council: Up to +6.00 diopters of hyperopia (farsightedness) Up to 6 diopters of astigmatism. Up to -12.00 diopters of myopia (nearsightedness)