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Insurance Coverage for Corneal Cross-Linking in the U.S. (Updated April 2025)

Insurance Coverage for Corneal Cross-Linking in the United States

What is corneal collagen coss-linking for keratoconus?

Corneal collagen cross-linking (CXL) is a minimally invasive ophthalmic procedure designed to reinforce the structural integrity of the cornea, primarily to manage progressive keratoconus. Keratoconus weakens the cornea, leading to its thinning and an abnormal cone-like protrusion, which significantly distorts vision. The CXL procedure aims to halt or slow this progression by inducing the formation of new collagen cross-links within the corneal stroma. This is achieved by first saturating the cornea with riboflavin (vitamin B2) eye drops, which act as a photosensitizer. Subsequently, a controlled dose of ultraviolet-A (UV-A) light is applied to the cornea. The interaction between the riboflavin and the UV-A light triggers a photochemical reaction, specifically the creation of covalent bonds between collagen fibrils. These newly formed bonds effectively strengthen the cornea, increasing its rigidity and resistance to further deformation.

The procedure doesn’t reverse cornea changes that have already happened – it just keeps them from getting worse. Since it can help slow progression, it’s best to talk to your doctor sooner than later if you have keratoconus. By reinforcing the corneal structure, CXL can postpone or even eliminate the need for more invasive surgical interventions, such as corneal transplantation. This procedure is especially valuable in younger patients where keratoconus progression is often more rapid. The increased corneal strength achieved through CXL helps maintain the cornea's shape, ultimately preserving visual acuity and improving the patient's quality of life

How much does Crosslinking for Keratoconus cost?

The cost of corneal cross-linking (CXL) in the United States typically ranges from $2,500 to $4,000 per eye, though this can vary based on location, procedure type, and insurance coverage. While insurance coverage is increasing, it's crucial to verify your individual policy with your provider. For accurate pricing, consult with your ophthalmologist and contact your insurance company to understand potential out-of-pocket expenses.

Is crosslinkig for keratoconus covered by health insurance?

Coverage for corneal cross-linking (CXL) by health insurance in the United States varies, but FDA-approved procedures, like those using the iLink® system, have a higher likelihood of coverage, especially when deemed medically necessary. Insurance providers often cover the epithelium-off method, which is FDA-approved, while epithelium-on procedures are generally not covered. To determine specific coverage, it is essential to contact your insurance company directly, as policies differ, and documentation of progressive keratoconus may be required.

How does health insurance coverage for corneal cross-linking (CXL) work in the United States

Major national insurers like UnitedHealthcare and Aetna, along with regional Blue Cross Blue Shield plans, generally cover FDA-approved CXL procedures, particularly when progressive keratoconus is documented. However, coverage specifics vary greatly between plans, so it's essential to contact your insurance provider directly to verify your individual coverage.

Which corneal crosslinking method is covered?

Insurance coverage for corneal crosslinking (CXL) in the United States predominantly focuses on the FDA-approved epithelium-off method. This technique, which involves removing the corneal epithelium prior to applying riboflavin and UV-A light, is the standard for coverage, especially when utilizing the iLink® system developed by Glaukos Corporation (formerly Avedro, Inc.). Insurers generally prioritize this method because it has undergone rigorous FDA scrutiny and is supported by clinical evidence demonstrating its effectiveness in halting the progression of keratoconus.

Epithelium-on (transepithelial) CXL, a method that preserves the corneal epithelium, is typically not covered by insurance. This is largely due to its classification as experimental. Furthermore, insurance providers often require documentation of progressive keratoconus to establish medical necessity, reinforcing the emphasis on the FDA-approved epithelium-off technique for reimbursement.

What are the drugs and devices used in the FDA-approved corneal cross-linking?

The FDA-approved iLink® corneal cross-linking procedure for keratoconus employs Photrexa® and Photrexa® Viscous riboflavin solutions, which act as photosensitizers, and the KXL® System, a controlled UV-A light device. After epithelial removal, riboflavin is applied to saturate the corneal stroma. The KXL® System then delivers UV-A light, inducing a photochemical reaction that forms collagen cross-links, strengthening the cornea. This increased rigidity aims to halt keratoconus progression and potentially improve vision. This specific combination of Photrexa® solutions and the KXL® System is the only FDA-approved method for corneal cross-linking in the U.S.

What is the CPT code for corneal collagen crosslinking?

The CPT code for the corneal collagen crosslinking procedure itself is 0402T, which includes the removal of the corneal epithelium and intraoperative pachymetry when performed.

It's crucial to remember that insurance coverage and billing can be complex, and verification with the insurance provider is always recommended.

Does Photrexa® Viscous and Photrexa® have product specific J-code?

J-code J2787 has been issued by the Centers for Medicare and Medicaid Services for the use of Photrexa® Viscous (riboflavin 5’-phosphate in 20% dextran ophthalmic solution) and Photrexa® (riboflavin 5’-phosphate ophthalmic solution) formulas. This J-code (J2787) is used to bill for both Photrexa® and Photrexa® Viscous, as they are both riboflavin 5'-phosphate ophthalmic solutions, just with different viscosities.

Below is an updated list of insurance companies in United States that cover corneal collagen crosslinking (CXL) for progressive keratoconus:

Payer NamePayer Region
Aetna National
AllWays Health Partners MA
AmeriHealth DE, NJ, PA
Anthem National
Arkansas Blue Cross Blue Shield AR
BCBS Health Advantage AR
BCBS of North Dakota ND
BCBS of Vermont VT
Blue Cross Blue Shield FEP National
Blue Cross Blue Shield of Alabama AL
Blue Cross Blue Shield of Arizona AZ
Blue Cross Blue Shield of Florida FL
Blue Cross Blue Shield of Georgia GA
Blue Cross Blue Shield of Illinois IL
Blue Cross Blue Shield of Kansas KS
Blue Cross Blue Shield of Kansas City Kansas City, Northwestern MO, Johnson & Wyandotte Counties
Blue Cross Blue Shield of Louisiana LA
Blue Cross Blue Shield of Massachusetts MA
Blue Cross Blue Shield of Michigan MI
Blue Cross Blue Shield of Minnesota MN
Blue Cross Blue Sheild of Mississippi MS
Blue Cross Blue Shield of Montana MT
Blue Cross Blue Shield of New Mexico NM
Blue Cross Blue Shield of North Carolina NC
Blue Cross Blue Shield of North Dakota ND
Blue Cross Blue Shield of Oklahoma OK
Blue Cross Blue Shield of Rhode Island RI, CT, MA
Blue Cross Blue Shield of South Carolina SC
Blue Cross Blue Shield of Tennessee TN
Blue Cross Blue Shield of Texas TX
Blue Cross and Blue Shield of Vermont VT
Blue Cross of Idaho ID
Blue Shield of California CA
BlueChoice Health Plan of South Carolina SC
Capital Blue Cross Central PA
Capital Health Plan FL
CareFirst Blue Cross Blue Shield MD, DC, Northern VA
Cigna Health National
ConnectiCare CT
Dean Health Plan WI
Emblem Health NY
Empire Blue Cross Blue Shield NY
Fallon Health MA
Geisinger Health PA, DE, ME, NJ, WV
Harvard Pilgrim MA
Hawaii Medical Service Association HI
Health Alliance Plan of Michigan MI
Health New England MA
HealthNet CA, AZ
HealthPartners Minnesota MN, ND, SD, WI
Highmark Blue Shield DE, PA, WV
Horizon Blue Cross of New Jersey NJ
Humana National
Independence Blue Cross PA, NJ, DE, MD
John Hopkins HealthCare MD
Kaiser Permanente AZ, CA, CO, DC, GA, HI, MD, NV, TX, VA, WA
Medica Health Plans MN, WI, ND, SD
Medical Mutual OH
Moda Health OR
Nebraska Blue NE
Premera Blue Cross WA, OR, AK
Presbyterian Health NM, AZ, CO, TX
Priority Health of Michigan MI
Providence Health Plan OR, WA
Public Employee Health Plan (PEHP) UT
Quartz - Unity Health WI
Regence Blue Cross Blue Shield ID, OR, UT, WA
Rocky Mountain Health Plans CO, NE
Scott & White Health Plan (SWHP) TX
Select Health ID, UT
Tricare TRICARE Policy Manual: Rare Diseases, Eye And Ocular Adnexa, Available to all Tricare beneficiaries, including dependents. also see this comment.
Tufts Health Plan MA, RI
United Healthcare National
Wellmark Blue Cross and Blue Shield IA, SD
This list is subject to change. It is not intended to be a directive, nor is it a suggestion about the likelihood of coverage or reimbursement. Please confirm with your individual carriers.

Reimbursement questions and financial assistance

The iPath360 program by Glaukos is a service to help keratoconus patients with reimbursement questions, prescription assistance and the possibility of financial assistance for eligible patients.

Call the iPath360 hotline 844-528-3311 for questions about coding, billing, claims submissions or payer coverage for corneal cross-linking with Photrexa® Viscous and Photrexa® with the KXL® System.

Visit iPath360's website and Avedro's website to learn more about insurance coverage and find resources and cornea specialist who perform corneal crosslinking.

Learn more about corneal collagen crosslinking (CXL)

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