Just like every elective surgery, Lasik costs have been rising. Over the past few years, a few factors have contributed to this rise: more demand for Lasik, more expensive machinery and technology, and the various costs of pre and post-op screening and testing. The average cost of Lasik is now averaging about $3,000 to $4,000 per eye, less or more depending upon the quality of the eye doctor chosen.
Lets say youve decided this amount of money is something youd consider paying in return for clear vision, without the aid of glasses or lenses. How do you know if you can really afford Lasik surgery? As yourself the following questions:
Will I Have Future Savings By Not Having To Buy Glasses Or Lenses?
First, be aware that you may not be perfectly exchanging the cost of glasses and/or lenses for the cost of the vision given to you by surgery. Sometimes, depending on the kind of correction or problem you have, glasses or lenses of some type will be needed right after the surgery or in the future. Not always, but sometimes.
Once you discuss exactly what your correction problem is, and the potential results with your doctor, you can estimate what money you will earn against the procedure by not having to purchase as many lenses or glasses in the future.
What Will The Final Cost Be?
When shopping around for a potential eye surgeon, ask exactly whats covered by his or her quoted Lasik price. Make sure you get the very, very bottom line! This includes all screening and testing, medications, follow-up visits, and any re-treatment visits you might need during the rest of your life.
Keep in mind, youre also paying for costs besides his or her fees: the purchase or lease of the laser, microkeratome equipment and their maintenance, insurance, facility costs including staff and royalty fees to the manufacturer of the equipment.
Ive Decided Its Worth It - Now How Do I Pay For It?
Remember, even though its a lifestyle or medical choice, its also a financial decision. Financing options might be a way to go, if the many thousands of dollars up front is not something you can afford right now.
If your insurance company doesnt pick up the tab, and frequently they dont because its considered an elective surgery, you can find a health care financing company that suits your needs. Payments can range from about $130 to $450 a month, depending on the type of finance plan you choose and the cost of your procedure.
A good place to start when researching financing companies is to check with your surgeons office. Ask for a list of finance companies theyve worked with successfully in the past, and which they recommend (assuming they accept payment through finance companies). Should you end up using financing, make sure you are comfortable with the varying interest rates charged by these companies they can add quite a bit to your final tab. Also, sometimes Lasik surgeons provide their own financing, and generally do not charge interest.
Is There Another Alternative to Financing?
Maybe your employer has a Flexible Spending Account you can take advantage of. FSAs allow you to put money from your paycheck away for medical costs not typically covered by insurance. Since the money used from this account is tax free, it might give you some tax savings at the end of the year, negating your upfront costs now. Also, the Lasik cost might be tax deductible for you, so it makes sense to check with your accountant.
Do I Really Want to Wait That Long?
Today, there are thousands of credit card companies salivating over the possibility of getting your business. A few thousand dollars on a credit card for Lasik eye surgery is likely to net you a free plane ticket to your dream destination. Itll still cost you some money in interest payments, but at least you can enjoy a great vacation after youve convalesced from your Lasik procedure!
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