LASIK eye surgery is one of the most common procedures in the United States. Nearly 700,000 procedures are performed every year, which may lead many people to think that the procedure is covered by their health insurance plan. Unfortunately, this is not always the case. Many insurance companies view LASIK as a cosmetic procedure. This means most insurance companies will not cover LASIK, unless the procedure is required due to an eye injury or necessary to stay employed.
Fortunately, there are a few ways to help reduce LASIK eye surgery cost in Los Angeles even if you do not fall under the criteria necessary to get your insurance company to pay for the procedure. If you are planning to undergo LASIK surgery in the near future, it may be wise to discuss the following with your preferred LASIK surgeon:
- In-House Financing Options
The fact that many insurance companies will not cover LASIK surgery is not lost on surgeons throughout Orange County. This is why many vision centers, such as Excel Laser Vision Institute, offer LASIK financing in Orange County. These in-house financing options often come at zero interest and can be done anywhere between 3 to 12 monthly payment periods to help make LASIK surgery more affordable for those who really need it. Don’t be shy to ask what your vision center’s financing options are; you may be surprised that LASIK surgery can be more affordable than you initially thought.
- Possible Courtesy Discount
Despite many insurance companies declining to pay for LASIK surgery, they haven’t completely abandoned the people under their coverage. These same insurance companies have negotiated with a wide range of vision care centers to create a “courtesy discount” for those who have an insurance plan with them. More often than not, people under large insurance companies can get a big discount on LASIK surgery. Some of the more common insurance plans that are eligible for discounts include Aetna, Cigna, and Optum Health.
- Financing from Your Bank
If you require financing to help you pay LASIK eye surgery cost in Los Angeles, you can also opt to turn to your bank for a loan. Some banks will have special programs that help pay for healthcare. One bank that is known for this is Wells Fargo and its Health Advantage® Credit Card. These special plans often allow for very competitive rates and flexible payment schedules. Try checking online if your preferred bank has a similar program. Some vision centers covered by these special plans can also help you with the application process.
As you can see, there are many steps you can take to help make LASIK surgery more affordable. If you believe you require some sort of financing to help pay for your upcoming LASIK surgery, do not hesitate to bring this topic up with your surgeon. Most LASIK surgeons understand how difficult it can be to find proper financing for LASIK surgery due to its classification as a “cosmetic procedure” and are more than happy to help you find the right financing option for you.