Unlike other medical treatments, most insurance companies won’t cover the cost of PRK or LASIK because they view the surgery as an elective treatment. If you want to have this vision correction surgery, you may need to explore other available options that could help pay for surgery. Here are a few things you may want to take into consideration:
If you don’t have the cash available to pay for the surgery, then you should talk with your bank or look into credit card options that can be used. There are even financing programs specifically designed for health care costs such as PRK or LASIK, making it easy to get the cash you need so you can have surgery.
Obtaining financing through one of these companies will allow you to pay for surgery right now, and you can make affordable monthly payments to pay off the loan after surgery is complete. Compare a few different lending programs to find interest rates and payment terms that work best for you.
FSA programs are sponsored by your benefits administrator or employer, and an FSA can be beneficial if you’re planning to have PRK or LASIK. These programs allow you to pay for health care costs using pre-tax money, which can help with saving money since you don’t have to pay taxes on these costs. Because of the high rates of income tax and other taxes that might be withheld from your paycheck, it’s possible to save as much as 30 percent by putting your money into an FSA and using the account to pay for out-of-pocket surgery costs.
Silverstein Eye Centers offers patients the option to finance through CareCredit, which is a revolving credit line that does not require you to pay up-front costs, pre-payment penalties, or fees. The application process only takes a few minutes, and you can receive an online decision in seconds! CareCredit allows you to begin your procedure immediately, then pay for it over time with low monthly payments that are easy to fit into your monthly budget. Begin your vision care today, and conveniently pay with low, monthly payments. At this time, our CareCredit financing option offers a comprehensive range of No Interest and Extended Payment Plans for procedure fees from $1 to over $25,000.
Don’t let finances prevent you from seeing the world in high-definition, because there are ways to pay for PRK or LASIK surgery so you can enjoy the benefits of this vision correction surgery. If you are ready to improve your vision, we invite you to contact us to learn more about the different options available. We will help you determine whether you are a good candidate for PRK or LASIK eye surgery so you can make the decision that best fits your needs.
Are you considering having PRK or LASIK eye surgery? Call Silverstein Eye Centers today to make an appointment for an eye exam.