Everyone heals at their own rate, but on the average time off of work is very minimal. During the procedure you should feel little or no discomfort. Anesthetic eye drops are administered before and during the procedure. Afterwards there may be some discomfort that may vary from mild to moderate sensations. Any discomfort that may be felt will only last a few days.
Eye drops and oral pain medications are sufficient to alleviate any discomfort.
Refractive surgery is considered an elective procedure. Most insurance companies do not cover this. You need to contact your insurance company to verify coverage. The procedures described above involve certain risks. Your surgeon or a staff member can discuss the possible risks and benefits of the available procedure with you in more detail.