LASIK Coverage For United Health Care

United Healthcare is one of the most popular healthcare companies in the State of Michigan and currently insures nearly one million people in the State. UHC’s network has over 150 different hospital associations with nearly 60,000 physicians available in-network, offering impressive treatment options for members. With such a large number of people covered by United, many people wonder if procedures like LASIK are covered with their current insurance. 

Unfortunately, there is no easy answer since United offers several different plans depending on employer, age, and the coverage desired. In some cases, people will have some or all of their LASIK procedure covered by UHC. However, other cases such as basic or catastrophic insurance will not have have LASIK covered. 

How to Find Out If Your United Healthcare Insurance Covers LASIK

We’ve created a straightforward guide to help UHC members determine if LASIK is covered under their policy. Start by gathering your insurance details and contacting your provider using the phone number on your health insurance card to confirm whether LASIK is included in your benefits.

Steps to Verify LASIK Coverage

Gather Your Insurance Information

Have your insurance card ready, as you’ll need your group and policy numbers when you contact United Health Care to ask about LASIK coverage. This information is essential for obtaining accurate details.

Know the LASIK CPT Code

Insurance companies use CPT codes to classify medical procedures. For LASIK, the CPT code is S0800. If you’re looking into PRK, the code is S0810, and for SMILE, it’s 66999. Providing these codes when speaking with United Health Care will help ensure you get the most accurate information about your coverage.

Other Ways to Verify LASIK Coverage with United Health Care

If for some reason you’re unable to find the right information by contacting UHC, there are some other ways to determine what your coverages are.

Option 1: If You Receive Insurance Through Work, Contact Your Employer

Start by reaching out to your Human Resources department. They can review your health plan and advise whether LASIK, PRK, or SMILE is covered under your benefits. Depending on the benefits offered by your employer, you may have access to Health Savings Accounts (HSAs) or Flexible Spending Accounts (FSAs), which can be used to help pay for part of the LASIK procedure.

Option 2: Let Us Help You Determine Your LASIK Coverage

The best way to determine whether LASIK is covered under your current policy is by scheduling a free consultation with the Laser Eye Institute. Our experienced LASIK coordinators will review your insurance benefits and determine whether all or part of your LASIK, SMILE, or PRK procedure is covered. If your insurance doesn’t fully cover the procedure, we can help you explore alternative payment options, such as 0% financing or using your HSA funds.

Ready to Explore LASIK?

If you’re ready to find out whether your United Health Care insurance plan covers LASIK, PRK, or SMILE, schedule your free consultation with Laser Eye Institute today. We’ll help you navigate your insurance benefits and provide all the information you need to make the best decision for your vision.