LASIK Financing Options: How to Afford LASIK Eye Surgery

LASIK eye surgery is a life-changing procedure that can provide long-lasting visual freedom. However, the cost of LASIK can be a major consideration for many individuals. Fortunately, there are various financing options available to make LASIK more affordable.

Average cost of LASIK eye surgery

The average cost of LASIK eye surgery typically ranges from $2,000 to $3,000 per eye. Costs can vary based on several factors, including:

  • Technology: Advanced technologies may cost more than traditional LASIK procedures.
  • LASIK Surgeon’s Experience: Highly experienced LASIK surgeons may charge more for their services.
  • Your Location: The cost of living and demand for LASIK in a particular area can impact the price.
  • Preoperative and Postoperative Care: Some clinics include all necessary preoperative and postoperative care in their package, while others may charge separately for these services.
  • Customization: Customized LASIK procedures tailored to your specific vision requirements may have an additional cost.

Learn more about the cost of LASIK surgery and the various fees associated with the procedure.

LASIK financing options

Here are some popular financing options to help you find a clear path to achieving your vision goals.

  1. Healthcare Financing: Many healthcare financing companies specialize in providing loans specifically for medical procedures. These companies offer flexible payment plans with low or no-interest options, allowing you to spread the cost of LASIK over several months or years. CareCredit and Alphaeon Credit are two example of healthcare financing companies.
  2. LASIK Clinic Financing: Some LASIK clinics offer in-house financing options directly to their patients. These programs often involve flexible payment plans or installment options tailored to individual budgets. In-house financing can be an attractive choice as it eliminates the need to go through a third-party lender.
  3. Health Savings Accounts (HSAs) or Flexible Spending Accounts (FSAs): If you have an HSA or FSA through your employer, you can use these pre-tax savings accounts to cover LASIK expenses. HSAs and FSAs allow you to set aside money from your paycheck, free of income tax, to pay for eligible medical expenses. LASIK is often considered an eligible expense, but it’s important to check with your HSA or FSA provider for specific details.
  4. Credit Cards: Using a credit card to finance LASIK is another option for some individuals. Before moving forward, consider the interest rates and repayment terms associated with your credit card. If you have a credit card with a low or no-interest promotional period, utilizing it for LASIK expenses and paying off the balance within the promotional period can be a cost-effective option.
  5. Employer Assistance Programs: Some employers offer assistance programs that cover a portion of the cost of LASIK for their employees. These programs may be part of a broader employee benefits package, such as vision care or wellness programs. Ask your human resources department to see if your employer provides any financial assistance.
  6. Savings & Payment Plans: Saving money specifically for LASIK is a proactive approach to financing the procedure. By setting aside a certain amount each month or creating a dedicated savings account, you can accumulate the necessary funds over time.

While the cost of LASIK may seem daunting, there are several financing options available to make it more affordable. Speak with your ophthalmologist and financial advisor about which financing option are best for you.

Content written by Annie Tye, Ph.D | Reviewed by Joseph Christenbury, M.D. | Last updated 6/11/2023  

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