How to pay for LASIK?
People interested in LASIK surgery will want to know how much it costs. On average, corrective surgery ranges between $1,000 and $3,000 per eye, though this depends on a number of factors. Although these procedures have become quite standard, prices vary according to region, clinic, doctor, insurance, and most importantly the procedures and degree of vision impairment. Thankfully, there are many options to help make LASIK affordable in all situations, and they should be considered during a free consultation.
The following information can help you determine the cost of corrective surgery and help you to work with your budget.
LASIK payment options
LASIK is a standard procedure, and qualified specialists want to provide appropriate eye care for all. Providers of LASIK surgery are willing to work with patients to find a payment solution that is satisfactory to both parties. There are a number of standard options:
Full Payment — Full Payment will run between $1,000 and $3,000 per eye. The degree of surgery and expected complication will determine the final price.
Financing Options — Clinics provide financing programs that fit into most budgets. Patients typically qualify for one or more financing options, and medical staff will work to arrange financing to best suit the situation.
Insurance Coverage Discounts — Sadly, very few insurance policies cover comprehensive vision care. LASIK is most often considered an elective surgery, meaning it is less likely to be provided for by insurance. Specialist vision care insurance is available, and it is recommended to check with your insurance agent to discuss your options. Certain clinics are known to provide insurance matching incentives, and it is recommended to research what is available at your chosen clinic.
HSA and FSA — Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) are financial tools that provides an income tax-free option for savings. Qualified medical expenses paid for through an HSA or FSA are tax-free, and work in conjunction with insurance deductibles. Speak to your employer to see if you have an HSA or FSA, or if you are eligible.
Tax Refunds — A common practice for patients is to use their tax refunds to cover or off-set the cost of their procedures.
If none of these options seem helpful, do not be deterred. Check in with your preferred clinic for a free consultation, and discuss your financial situation. Eye care is important, and your doctors will want to work with you to get you the care you need. Frequently, deferred payment or other arrangements can be made.