How to Pay for Lasik Surgery
If you are thinking about having lasik surgery, there is a lot to learn and a lot to think about. One consideration that cannot be overlooked for most people is paying for the procedure.
Just about every health insurer in the US classifies corrective eye surgery as elective. This means that your lasik surgery is not likely to be covered under your health insurance plan. While you will have to bear the entire cost of the procedure, there are ways available to help you manage payment.
The center where I had my lasik surgery offered me a payment plan. Their payment plan called for a reasonable down payment and they did not charge interest on the outstanding balance. There were a couple of lasik centers near my home that offered no down payment, no interest payment plans so make sure you discuss financing options and terms with your provider.
Third-party financing is also an option if the lasik center you choose does not offer a payment plan. Companies such as CareCredit will finance your lasik surgery. Having bad credit could be an obstacle if you are considering using a finance company, though. Your doctor may be able to recommend or provide you with a list of outside financing companies so ask if you are interested.
Most lasik centers also accept credit cards. The downsides are the same as paying for any major purchase with a credit card. Late fees and high interest rates could make paying with a credit card unattractive. If you are thinking about using your credit card, compare the interest rate on your card to those offered by third party finance companies such as CareCredit.
Saving regularly until you have enough money to pay for the procedure is another option. You may be in no hurry to have lasik surgery. You may not wish to use credit to pay for your surgery. If you do not anticipate having surgery in the near term, then there is no reason not to put some funds aside to go toward it when you are ready.
Flexible savings accounts are another convenient way to pay for lasik eye surgery if your employer offers them. Money is deducted from your paycheck and held in an account for use on health related expenses not typically covered by insurance.
Just because your insurance may not pay for your lasik surgery expenses, that does not mean that the procedure is not an option for you. Saving up, making payment arrangements with your doctor or using an available financing plan are all potential options. You may have to get creative or it may be quite simple, but either way there are payment options out there.
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Written by Jayson Lee on December 9th, 2009 with
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