Lasik Eye Surgery – Working out the Cost Factor
For many people opting for Lasik treatment, cost might be an influencing
factor in deciding about the treatment. The procedure is quite pricey
and cannot be afforded easily by everybody. Also, as the procedure
is classified as elective, most of the insurance plans do not provide
any coverage for Lasik treatment. But, there are ways to go about
with managing the expenses for Lasik treatment, even for people
who have a limitation of budget.
The thought of not having to wear glasses or contact lens is what
draws many a person to take up Lasik. Also, the procedure is highly
accurate and is personalized to each and every patient. Many people
have quick results and improvements in their vision after the procedure.
Even though Lasik might not eradicate the necessity of wearing contacts
or glasses in every case, it will still help in bringing an improvement
in the prescription.
Lasik is not covered by a majority of the insurance companies unless
you have an expanded plan that includes treatment like Lasik. There
is also some mutual understanding between some companies with some
centers offering Lasik treatment to undertake the procedure at lower
If you do not have an expanded plan that covers Lasik treatment,
there are still many choices that you can make to reduce the expenses
and to take up the procedure. There are many centers offering Lasik
who give different paying options and some with choices for finance.
People opting for the procedure have various means by which they
can ascertain the choices they have towards payment.
It is usually very enticing to just search out for the person who
charges the least for the surgery and consult such a doctor. This
is not the right way to go as the doctor you might be approaching
may have lesser experience or is possibly not equipped with the
latest technology. So, it always better to look for someone who
has lots of experience in the field to improve the chances of getting
a very good result from the surgery.
A cost factor you will have to look at while choosing your doctor
is to know the costs that you will incur if a second surgery (enhancement)
is needed after the first. The charges for the enhancement are different
from one clinic to the other. Some doctors do the surgery at no
extra cost if enhancement is required within a stipulated time after
the first surgical procedure while others might charge a fee lesser
than the first surgery. Yet, there are others who might ask you
to pay the same amount as the first surgery. Therefore, it is very
vital to have this information beforehand as many people might need
enhancement at a later date.
Another thing to bear in mind is to enquire what the quoted price
for the surgery covers. Check if the cost projected includes the
cost of consultations before and after the surgery, evaluations
and medications in addition to the cost of the surgery. Also, check
if it includes the cost of enhancement surgery, if necessary. Knowing
this beforehand can make you prepared and see if you can afford
it especially if your budget is limited.
Even though most doctors include this and provide the price as
a package deal, it is best to be careful and enquire beforehand
rather than fall it to unexpected surprises later.
Check for centers that provide finance options to pay for the treatment.
This is a good way to go if you are trying to manage the treatment
expenses on a limited budget. Many centers are now providing some
such options to help patients pay for the procedure. Some centers
might provide information on certain banks that can help out in
providing the financing. Some centers provide the option of paying
for the procedure in divided installments making it easy for the
Another route to take is the option of flex-spending accounts.
These accounts are provided by your employer by which you can generate
some money to spend for such treatments. These accounts are also
referred to as cafeteria plans. In such accounts, money is accumulated
by diverting a portion of your salary to the account on a regular
basis. The money saved is used for treatments like Lasik that are
not covered by regular insurance plans. Check with your employer
if you have such an option so that it will help you meet the expenses
of treatment. Based on the amount you have in the account, you can
reduce the amount that you need to arrange for the entire treatment.
Another option available to some people is to deduct the cost from
the income tax. In some cases, the costs of the entire procedure
can be deducted from the person’s federal income tax. You
can ascertain whether you are eligible to make such a health claim
by checking with your tax accountant who will be able to guide you
much better in this matter.