HorizonÂ is a member of theÂ Blue Cross Blue Shield AssociationÂ offering coverage to people in New Jersey. Benefits are very similar to theÂ EmpireÂ andÂ ExcellusÂ plans offered in New York.
Plans vary, but in generalÂ most vision plansÂ cover:
- Glaucoma treatment
- Macular degeneration treatment
- Retinal detachment treatment or surgery
- Cataract surgery
LASIKÂ and related refractive surgery procedures are not generally covered. More information on Cataract surgery and LASIK coverage is included below.
Cataract surgery is generally considered a medically necessary procedure, although coverage is only available after you reach a certain level of visual impairment (20/50, best spectacle corrected vision, not legally able to drive). There are many types of diagnostic scans and procedures that are included, but others that are not. Also not covered is the use of multifocal or toric intraocular lenses–reducing dependence on corrective lenses or bifocals is not generally considered medically necessary.
LASIK and related refractive surgeries are not generally covered. Horizon does not explicitly state that they may be covered under some circumstances, so it is best to assume that they are never covered. However, Horizon does offer a discount vision plan similar to other Blue Cross Blue Shield affiliates, which meansÂ 25% off LASIK proceduresÂ if you enroll.
You can also make LASIK more affordable by taking advantage of options for using pre-tax money to pay for the procedure, such as health savings accounts (HSA) and flexible spending accounts.
For more information about specific coverage associated with your policy, pleaseÂ contact Kelly Laser CenterÂ today to talk to an insurance coordinator at our Manhattan or Long Island location.