When you are considering getting Lasik, one of the biggest concerns for many people is the cost of Lasik in NY. Lasik eye surgery cost in NYC is quite expensive for many people. Moreover, if your insurance does not cover the procedure, it can be quite difficult to afford the entire cost on your own. Although some insurance companies cover the Lasik surgery cost in NY only if it is considered as “medically necessary,” it is not the case for most. If the Lasik eye surgery cost is considered an elective or a cosmetic concern, your insurance will probably not cover it.
But this does not mean that you should feel discouraged about getting Lasik. When your insurance cannot cover Lasik’s cost, you can count on other alternative financing and payment methods. Here is how you can financially prepare for a Lasik surgery:
Book a consultation
The first step in financial planning for a Lasik procedure is to estimate the total cost. On average, the Lasik procedure for one eye can range from $1500 to $3000 depending on the technique, advanced technology lens, other factors, etc. But when you decide to get the procedure done, you need to plan according to the estimated cost. Therefore, you should book a consultation with a Lasik doctor in NY and get an assessment. The doctor will tell you the estimated cost for your treatment and the procedure that will be followed.
Set up a savings account
If your procedure is termed as medically necessary, then your insurance will probably cover it. However, if this procedure is elective for you after the consultation, you need to plan accordingly. One of the best ways to finance Lasik is savings. If the LASIK treatment is not required immediately, you can set up a savings account with your bank and deposit a fixed amount every month to eventually pay for your Lasik surgery.
Utilize an HSA account
If your employer provides you a high-deductible health plan that qualifies you for a Health Savings Account (HSA), you can use it to pay for LASIK. You can set aside a tax-exempt amount of money in your HSA after consulting with your employer. It will help you easily save money for your Lasik procedure compared to paying cash out-of-pocket.
Get a new zero-interest Credit Card
Another great way to easily afford your Lasik procedure is by getting a new zero-interest credit card if you are eligible for it. You need to contact your bank to know your eligibility for a zero-interest credit card.
Care Credit Financing
You might not be able to afford to pay the full amount at once and immediately need the procedure; therefore, CareCredit financing is an excellent option for you. Many Lasik centers in NY, including Dello Russo Laser Vision, provide Care Credit financing plans to the patients. In this, you can work out a convenient payment option to pay regular installments for your Lasik procedure. You can choose from a variety of payment options for a period of 12 months to 24 months while some Lasik centers even offer a more extended payment period of 3 to 5 years.
So if you decide to know more about your financing options, you can contact any laser vision center in NY for more details regarding various financing options available for you.