How Can I Pay for My Lasik Surgery?

By Paul Notts

Those individuals considering Lasik, or laser-assisted in situ keramileusis, may have to consider how they are going to pay for their surgery during the inital process. Some insurance companies will pay for Lasik surgery, but most of the financing will be left up to the patient to obtain.

The price of Lasik surgery includes not only the surgery itself, but also the pre-surgery appointments, medications and eye drops, and post-surgery follow-up appointments with the office that performed the Lasik surgery.

The average Lasik surgery costs between $1750 and $2500 per eye. With that said, there are factors that can decrease or even increase the cost of surgery. For example, bladeless Lasik, or laser flap, is usually more costly, but at the same time more accurate because of using a laser instead of a bladed instrument to perform the surgery.

Patients should research their potential options for Lasik surgery financing before deciding which way to go. Financing a surgery is very much the same as financing other things such as a car because their credit report will be analyzed and used to determine repayment terms and interest rates.

Lasik is considered an elective surgery by most insurance companies and that is why they will not finance the entire cost. However, there are employers and national Lasik organizations that offer financing options. It is also possible to deduct the interest rate and the cost of the surgery in your yearly income taxes.

Some creditors offer fixed interest rates and long-term repayment plans for Lasik patients in order to support Lasik surgeons and encourage the popularity of the procedure.

You can also apply for financing via the phone or on the Internet. Lasik financing is often offered directly from the clinic performing the surgery, through banks or flexible spending accounts.

Other factors, such as obtaining the more expensive Lasik surgery, should also be considered when determining your financing options and may be worth the extra money if performed by a qualified surgeon.

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