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In short, many insurance companies consider LASIK surgery to be an elective operation. This means that it's something you can choose whether to have or not, because not having it will not be a serious risk to your health. Generally, the "elective" category covers procedures such as cosmetic treatments, which help your self-image, but which don't correct a serious, health-threatening problem. If your insurance company considers LASIK to be elective, then your policy probably will not cover it. However, it never hurts to check, just to make sure. There are some insurance companies that will cover a portion of the cost, especially if your physician or eye doctor feels strongly about need for the procedure. This partial coverage, usually offered by the bigger insurance companies, is referred to as an indemnity plan.
Having said that, it's still a good idea to ask your doctor if he feels LASIK surgery would be considered a medical necessity. There are several procedures that insurance companies once called "cosmetic" which they now accept as necessary. If this is the case with your insurance policy and your need for LASIK, your policy might cover part or all of it.
As you're investigating whether your insurance policy will pay for your LASIK operation (and how you'll pay for it if they don't), you must pay attention to all the expenses associated with the procedure. Not every organization will charge the same thing for the same procedure. Normally, though, you can expect to pay anywhere from $1,000 to $2,500 for each eye (The exact amount depends on how complex the surgery). If this is completely out of your budget range, find out if your surgeon has special rates at certain times. If so, it might be wise to wait for the next time they offer that rate. Just be sure that you're paying for a quality surgeon and quality procedure.
There are other ways you can pay for your LASIK, as well, especially if you don't have insurance coverage. There are some surgeons who offer discount pans that will lower the cost. Also, some businesses offer financing for elective medical procedures (which sometimes includes LASIK operations). And if nothing else, your doctor might also offer a payment plan option. This is becoming more and more common for procedures that most of us consider necessary, but which the insurance industry doesn't. Under a payment plan, you can normally just pay a deposit and then a small monthly fee. And finally, there are also medical loans available that would operate much the same way as the doctor's payment plan. Ask your medical practitioner if he knows of a place that he would recommend that offers such loans
The answer to why an insurance company has appointed a loss adjuster is actually a fairly simple question to answer. For anyone, loss adjusters are appointed after there has been a claim made by you to your insurance company, who then brings the adjuster in to assess that validity of your claim. Basically, if you are in an automobile accident or any other kind of situation where you need to claim on your insurance, then an adjuster is brought in to use the proper technical and financial terms to figure out how much the insurance company is truly liable to cover.
For you, the consumer, it can be difficult to handle a loss adjuster, so the important thing to remember is that the loss adjusters aren't there to help you, but rather to look at the interests of the insurance company employing them. So, that means you need to find a group who will assist you in helping to prepare your claim for the adjuster, because otherwise, that responsibility falls on you. The worst thing you can do for your own claim is to be unprepared when the adjuster arrives, so make sure that you find someone who can help you with that.
While it may seem like you can talk to your insurance broker about this claim in order to help you, the grim reality is that your broker is probably going to be very pressed for time as well and may not even have the expertise or the resources to truly assist you with trying to prepare your claim for the adjuster. Always look for professional assistance if you aren't sure what to do, as there are plenty of groups out there who want to help you get the most of your claim, instead of letting the loss adjusters intimidate you into not getting you what you deserve. In the event that your claim is then rejected because of that loss adjuster, then you should immediately seek professional assistance, because there are also companies willing to help you get the money you deserve. The different companies out there tend to charge fees, but there are some out there who only want a percentage of your claim value. That way, they are just as invested in making sure you have just as much gain as they do and they will work as much as they can. Sometimes, claims can take a few months to process, but it might take even longer if you encounter problems, so by making sure that you hire professional assistance will really pay off in the long run. Quite a few times, working with a third party will actually get you more from your claim than what you would have received working alone.
Also, make sure that when you look at different groups to help you work with a loss adjuster that you see what exactly will happen in the event that you still lose, meaning that the insurance company establishes that no party is liable for the losses you receive. Some groups won't actually charge you anything at all and some still charge you a nominal fee for having used their services in the first place. Either way, make sure you are the one who does the checking.