LASIK Coverage For Cigna Healthcare

Cigna Healthcare is one of the most popular healthcare companies in America and currently insures around one million people in the state of Michigan. Cigna has a wide network of different hospital associations and thousands of physicians available in-network, offering impressive treatment options for members. With so many people choosing Cigna for insurance, many customers wonder if procedures like LASIK are covered with their current insurance. 

Unfortunately, there is no quick “yes” or “no” answer since Cigna offers a variety of different insurance plans with different coverage. In some cases, people will have some or all of their LASIK procedure covered by Cigna. However, other cases such as basic or catastrophic insurance will not have LASIK covered. 

How to Find Out If Your Cigna Healthcare Insurance Covers LASIK

To help you determine whether LASIK is covered under your Cigna insurance policy, we’ve put together this easy-to-follow guide. Start by gathering your policy details and contacting Cigna’s customer service using the phone number listed on your insurance card to verify if LASIK is included in your benefits.

Steps to Verify LASIK Coverage

Gather Your Insurance Information

Have your insurance card on hand, as you’ll need your policy and group numbers when contacting Cigna to inquire about LASIK coverage. These details are essential for getting accurate information.

Know the LASIK CPT Code

Insurance providers use CPT codes to categorize medical procedures. For LASIK, the CPT code is S0800. If you’re exploring PRK, the code is S0810, and for SMILE, it’s 66999. Providing these codes when you speak with Cigna’s representatives will help you receive precise answers about your coverage.

Other Ways to Verify LASIK Coverage with Cigna Healthcare

If you can’t get the right information by contacting Cigna directly, there are alternative ways to determine your LASIK benefits.

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 Cigna 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.