Insurance may cover eyelid surgery, but you may have to pay up front
Scarring of the interior lamella or the area of the lids closest to the globe can cause the eyelashes to turn toward the globe, causing irritation. Usually, this causes chronic irritation that feels like there's something in your eye. It's doubtful that this is causing the infections. More likely, it's the contacts.
Either way you need to see an oculoplastic surgeon. These surgeons are ophthalmologists who specialize in ways to correct your problem. Many of these surgeons expect payment prior to surgery and will either bill the insurance company for you or have you do it. Good luck.
You may get coverage for the functional, not cosmetic reasons.
My best advice would be to go to an academic practice that is used to doing reconstructive procedures and dealing with insurance companies. If the insurance is going to cover the surgery, it would be for the functional/anatomic reasons, not for any cosmetic concerns.
Insurance will cover functional eyelid surgery
After reading your story, it appears that you may have one or more medical conditions that can be corrected with eyelid surgery. As you already know, no insurance company will pay for cosmetic eyelid surgery. However, it sounds like you have entropion, a condition in which the lower eyelid margins are inverted, causing the lashes to rub against and irritate the cornea, which is known as trichiasis.
Your history of mulitple infections and corneal irritations supports this. Your conditions may also impede the drainage of tears through the lacrimal system. If the lower eyelid is rotated such that the lacrimal punctum through which tears drain is occluded, you may also experience excessive tearing and irritation.
Although a photo would help confirm your diagnoses, judging by your history, you may also have a condition known a congenital blepharophimosis, or narrowing of the aperture between the corners of the eye.
Correction of these functional problems (entropion and blepharophimosis) can be accomplished surgically and should be covered by insurance. Thorough documentation by your ophthalmologist and plastic sugeon and insurance precertification will likely be necessary. Good luck.
Cosmetic double fold surgery is not covered but functional surgery should be
The condition you are describing is upper eyelid entropion. It is a situation where there is poor support for the upper eyelid platform skin, allowing the skin and the underlying muscle to ride down toward the edge of the upper eyelid. This causes the lid margin and the eyelashes to rotate toward the eye and rub.
Addressing this is a medical not a cosmetic issue. Having said that you also need an anesthetically well done surgery which means respecting the your asian eyelid architecture. Necessarily, your surgery will very much resemble a double fold surgery.
Make sure your eye plastic surgeon really understand the asian eyelid and does not westernize the eyelid. As this is not cosmetic but is functional surgery, health insurance will generally cover this.
Insurance Coverage for Double Eyelid Surgery
While there are variations in the requirements among the insurance plans, the standard basis is a functional complaint and a supporting visual field test.
Double eyelid surgery not covered by insurance for cosmetic reasons
Double eyelid surgery will not help the oiliness of the eyelids that is produced by the glands. This is treated with warm compresses, eye drops, ointments, and massaging the eyelids. This is most likely the reason you are getting infections with your contact lenses. Double eyelid surgery is done only for cosmetic reasons and insurance will not cover it.
Most likely covered by medical insurance.
If the excess skin and/or lashes are causing irritation of the eyelid, this is usually a medical condition and covered under the patient’s medical insurance.