Aetna insurance has been helping people cover healthcare costs since 1853, and is one of the largest insurers in the US. Aetna has nearly 18 million medical insurance holders who are provided for by more than a million health care professionals, including nearly 600,000 doctors. The insurance is accepted at nearly 5500 hospitals nationwide, and includes not just primary insurance, but vision plans and Health Savings Account (HSA)-related plans.
Here is how Aetna insurance plans may be able to help you cover the cost of your eye care (individual insurance policies differ).
The following are considered medically-necessary procedures and are covered:
LASIK and other refractive surgeries are not covered. More detail about coverage for cataract surgery and LASIK is included below.
Cataract surgery is considered medically necessary, as are the following procedures related to cataract surgery:
- Optical coherence biometry
- Ultrasound, A-scan, diagnostic
- Ultrasound, A-scan, ophthalmic biometry
- Ultrasound, with intraocular lens power calculation
Many other related procedures for cataract surgery are considered experimental and are not covered.
In addition, Aetna only considers “standard fixed monofocal posterior chamber intraocular lenses (IOL)” and a few variations on monofocal lenses to be “medically necessary.” Other intraocular lenses, such as Tecnis and ReSTOR are considered experimental or not medically necessary and are not covered.
Refractive surgery of any type is excluded from coverage because it is considered either “investigational” or “not medically necessary.” This includes LASIK, PRK, and related procedures.
However, Aetna members with the Aetna Vision plan can get discounted refractive surgery. And the treatment can be paid for using money from a Flexible Spending Account (FSA) or HSA.
To learn more about what is covered and not covered under your insurance, please contact Kelly Laser Center today for more information.