Cigna was one of the first mega-insurance companies formed by mergers in the 1980s when Connecticut General Life Insurance, founded in 1865, merged with the Insurance Company of North America, founded in 1792 as the first marine insurance company in the US. With $21.3 billion in revenue and 66 million customers, Cigna promotes that it donates 0.04% of its revenue to charitable causes.
Cigna offers many different insurance plans, so coverage varies, but in general the following eye care procedures are considered medically necessary and fully covered:
LASIK and other refractive surgeries are not considered medically necessary and are not covered. More information on coverage for cataract surgery and LASIK is included below.
Cigna health care covers cataract surgery with required diagnostic and treatment procedures. It does not however, cover the use of premium intraocular lenses, including toric IOLs, ReSTOR, and Tecnis.
LASIK and other “corneal remodeling” procedures for the improvement of vision are considered “not medically necessary,” and are not covered. However, Cigna’s Healthy Rewards program does offer patients up to 60% off of many health-related services, including LASIK procedures, depending on the provider.
LASIK can also be paid for using money from a flexible spending account (FSA) available through your employer or a health savings account (HSA) associated with a Cigna insurance plan.
To learn more about the specific coverage of your insurance plan, please contact Kelly Laser Centertoday to talk to our insurance coordinator. We have locations in Manhattan and Long Island.