Financing Options

The cost of LASIK and other laser eye surgery procedures at our Oklahoma City center is a concern we hear from many patients. We want to make these advanced procedures accessible to as many people as possible because they can improve the quality of our patients’ lives. That’s why we offer a number of financing options.

We not only offer a number of attractive financing options such as CareCredit®, but also gladly work with your flexible spending accounts or health savings accounts programs. We also work with insurance saving plans (PVCS & VCD), corporate partner programs, and union, civil service, and military discounts.

CareCredit®

CareCredit® allows you to have your laser vision procedure immediately—then pay for it over time with monthly payments that fit easily into your budget. Now you don’t have to save up for years to finally get the vision you’ve always wanted. We’ll help you see clearer, sooner.

CareCredit® can be used for all out-of-pocket costs on all eye procedures including LASIK, ICL, PRK, refractive lens exchange (RLE), laser cataract surgery, and keratoconus treatments.

For vision procedures, CareCredit® offers:

  • Minimum monthly payments
  • No upfront costs or pre-payment penalties
  • $0 Down, 0% Interest plans available

CareCredit® is a credit card used exclusively for healthcare services. It offers monthly payment plans for healthcare procedures not commonly covered by insurance, such as LASIK.

Apply for CareCredit® now or use its payment calculator.

Does Insurance Pay for LASIK?

LASIK is considered elective surgery, so most insurance companies do not cover LASIK procedures. However, there are a number of easy and affordable ways to pay for LASIK.

What About Cataract Surgery?

Medically necessary procedures such as cataract surgery are covered by Medicare and other insurance plans. We offer laser cataract surgery, which is the most advanced, precise, and safest form of cataract surgery on the market today. However, laser cataract surgery may not be fully covered by your insurance.

What Is the Cost of LASIK?

The cost of LASIK surgery varies depending on the patient’s needs. LASIK is not a one-size-fits-all procedure. In 2018, the average price for LASIK in the U.S. was $2,300 per eye. However, the actual price you pay for LASIK eye surgery depends on you—or more specifically the condition of your eyes. Only after an eye doctor or LASIK surgeon has evaluated your eyes can they determine your specific needs, what technology or approach is right for you, and so on.

At nJoy Vision, we are dedicated to making LASIK a reality for all. Don’t be discouraged if an initial quote appears to be higher than you expected. We not only offer a number of attractive financing options but also offer some great deals and loyalty programs throughout the year.

Other Payment Options

In some cases, patients may also take advantage of insurance saving plans (PVCS & VCD), corporate partner programs, and union, civil service, and military discounts. In addition to LASIK, these programs may also apply to other laser eye procedures such as PRK, KAMRA® inlay, and others.

PVCS & VCD

We partner with many companies offering vision insurance so we can offer their members discounts on certain laser eye procedures, including LASIK.

Partner Plans

Many employers and unions offer partial coverage for LASIK. Many corporate partners, union or civil service and military programs also often allow for discounts and other savings on LASIK. Please ask us about your options, and we will help you determine your eligibility and help to identify any possible savings.

Max your Flex Plan

You can pay for LASIK or other eye surgeries with a tax-free health savings account (HSA) or flexible spending account (FSA), which could mean a 20-30% discount for eligible patients. Laser eye surgery is a qualified medical expense, according to the IRS, but some rules apply. For it to be a qualifying medical expense, you must make an appointment with an eye doctor to establish you really need the procedure.

How do I save on LASIK with an FSA or HSA?

Flexible spending accounts and health savings accounts are both healthcare plans that reduce an employee’s income tax liability and allow you to pay for medically-related expenses, including elective procedures such as LASIK. The pre-tax savings may be significant.

Use It or Lose It?

You generally must use the money in an FSA within the plan year. But your employer may offer one of 2 options:

  • It can provide a “grace period” of up to 2½ extra months to use the money in your FSA.
  • It can allow you to carry over up to $500 per year to use in the following year.

Your employer can offer either one of these options, but not both. It’s not required to offer either one.

At the end of the year or grace period, you lose any money left over in your FSA. It’s important to plan carefully and not put more money in your FSA than you think you’ll spend within a year on things like co-payments, co-insurance, drugs, and other allowed health care costs.

You can learn more about your FSA benefits by visiting the HealthCare.gov website.

As you are interviewing vision correction providers, keep in mind that factors, such as training and experience and technology used for your procedure make a huge difference. After all, we’re talking about the most precious of your senses—your eyesight. So, if you get a quote that sounds too good to be true, it might just be. Be a critical shopper, do your research, and ask many questions. Make the discussion about your financial options part of your consultation.

If you’re searching for a vision correction provider in the OKC area, request a free consultation using the online form or call us at (405) 842-6060 to schedule an appointment.

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