We talk a lot about eye surgery financing because we’ve found finances are often a major area of concern for patients. If you’re worried about LASIK eye surgery cost and other eye care costs, we understand. Many procedures end up costing thousands of dollars, which can be difficult for most people to scrape together in one lump sum.
But, this is exactly why we offer a wide variety of financing options for our patients, so you don’t have to let costs stand in the way of clearer vision. Here’s a closer look at our financing offerings.
LASIK is considered an elective procedure, because of this insurance typically does not cover any part of the procedure. Some insurance companies will offer a percentage off the procedure as a benefit. If your upcoming procedure isn’t directly covered by insurance, we can still help you navigate your plan to understand if there’s any way to get you some level of coverage.
FSAs or HSAs
If your employer offers you a Flexible Spending Account (FSA), you should be able to set aside pre-tax dollars to use later in the year to put toward your LASIK eye surgery cost. This option can often save you as much as 35 percent, which can be a significant savings.
Alternately, a Health Savings Account (HSA) differs from an FSA based on who can have one and how they’re set up, but this type of program also enables eligible individuals to put aside pre-tax dollars for qualified medical expenses. This usually includes eye care costs, like LASIK and other eye surgery.
If none of the above options are available to you, many of our patients get approved to get a Wells Fargo Health Advantage® Credit Card. Through this type of financing, you will typically not incur any interest if the balance is paid off within your particular promotional period (which could be a number of months or even two years).
No matter how you choose to finance your LASIK procedure, just remember to beware any eye clinics that claim to offer “discount” LASIK (here’s more on what to look out for and why). Also keep in mind how much you’re already paying for eye exams, glasses, contact lenses, solution, eye drops and so on. All of that adds up significantly, and much of it will be eliminated once you invest in LASIK.
LASIK and other eye surgeries can be affordable, if you get creative and remember the value they provide. Please contact us to schedule an eye exam, or to talk to us further about specific financing options.