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Question: How can i get my insurance to pay for corrective eye surgery?
(Posted by: Lucas on 2009-11-27 14:43:04)
As a rule, insurance companies will not pay for refractive surgery for nearsightedness. They consider it elective or cosmetic. Mine isn't the typical situation, though, for the following reasons. I have extremely poor vision, with a prescription of - 12/ - 14 ( "high myopia " is considered - 6 to - 10, so I'm way beyond that). Simply put, without correction, I'm perfectly blind. Glasses aren't a viable day- to- day possibility. Because of the high degree of refraction, in low light anything that isn't directly in front of me is broken up into a wide band of prismatic- colored copies. This is merely a nuisance most of the time but when driving it is absolutely dangerous, as it makes it impossible to tell the actual location of other cars or the color of traffic lights. Contacts aren't a perfect solution, either. Because of their thickness, whenever I blink they slide up my eyes and take a good 1/ 2 to 1 second to return to their proper location. They also tend to slip off of my corneas entirely more often than most contact wearers experience, and even in the best of times are not comfortable when worn for more than eight to ten hours. I'm a perfect candidate for ICL (implanted contact lens) surgery, but I don't believe that I should have to cover the entire cost of the procedure ($7, 000). I'm insured, this is a safe and proven cure for my condition, and the traditional solutions are simply not adequate. Do I have a hope of arguing my case? |
