Are you considering LASIK eye surgery but concerned that it’s not covered by insurance? Paying for this vital procedure shouldn’t stand between you and vision clarity. At Toledo LASIK, we offer flexible LASIK financing options to make vision correction surgery more accessible than ever.

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Cost of LASIK Surgery

The cost of LASIK surgery can vary depending on the technology used, surgeon experience, and the geographic location of your doctor’s office. When compared to other vision correction methods — such as glasses or contact lenses — the price of LASIK is far lower in the long run. Expenses like designer frames, doctor visits, and cleaning solutions accumulate to thousands of dollars over time, making the one-time LASIK procedure a more favorable, permanent solution to vision correction.

Schedule an appointment with Toledo LASIK today to evaluate your eligibility, review LASIK pricing, and learn more about LASIK eye surgery financing.

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Financing and Payment Options

We’re proud to partner with different banking institutions so that our patients can experience LASIK with minimal financial hurdles. We offer interest-free LASIK financing options that include extended payment terms, low-interest plans, and in-house financing.

Insurance and LASIK

Because most providers classify LASIK as an elective procedure, it is typically not covered by private insurance companies or Medicare. Depending on your personal situation, you may be entitled to additional coverage elections, so make sure to discuss and review all your benefit options with your insurance provider.

If your plan includes a flexible spending account (FSA) or a health savings account (HSA), LASIK is considered an eligible expense, meaning you can pay for it with the pretax money from these funds.

Third-Party Financing Companies

At Toledo LASIK, we offer several LASIK financing options from third-party companies that specialize in medical procedures:

CareCredit — North America’s leading patient payment program, the CareCredit card allows you to pay for your LASIK eye surgery over time at little to no interest with low monthly payments.
Alphaeon Credit — LASIK financing plans from Alphaeon offer flexibility and convenience. Eligible patients who enroll and receive an Alphaeon credit card can also use the card again for themselves and family members without annual fees.

Applying for either of these LASIK financing options is as quick and painless as the procedure itself. We’ll help you with your credit check and outline approval times so you can receive LASIK with manageable, hassle-free payments. Check out the video below for more info.

Eligibility for Financing

Before committing to LASIK, we encourage all patients to seek pre-approval for financing to understand their credit score requirements. Even if you have less-than-perfect credit, we will work with you and our third-party partners to tailor a payment plan for LASIK financing with bad credit.

Benefits of Financing LASIK

LASIK financing makes LASIK more affordable by spreading out the cost over time. With our flexible financing options, you don’t have to wait around for vision correction.

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How to Choose the Best Financing Option

When choosing a LASIK financing plan, there is a checklist of factors to consider — such as interest rates, repayment terms, and hidden fees. Consult with your financial advisor or Toledo LASIK to understand and evaluate your options so that you can make the most informed choice based on your financial situation.

Testimonials and Reviews

Read testimonials from real patients who achieved their vision correction goals with the help of LASIK financing!

     Excellent  
     Based on 116 reviews 
    
 
 
   
 
 
        
   Erin Riley 
 September 3, 2023
 
 
 Trustindex verifies that the original source of the review is Google. From the very first consultation appointment, all the way to surgery day, I felt complete confidence in the team at Toledo Lasik. Ray is so friendly, kind, and explained everything on the financial side in detail so I knew exactly what to expect. Dr. Jee performed the SMILE procedure on my eyes, and was also very personable and competent. She really made me feel at ease, and I did not feel nervous at all during the procedure. Not even 24 hours post op, I was seeing 20/20, after 33 years of wearing glasses/lenses at a very high prescription (my eye doctor explained that my vision was previously 20/900!) A week post op, I am seeing 20/15…even my eye doctor is dumbfounded at the results I am experiencing, and kept repeating how “truly remarkable” my results are! I am healing well, and I could not be happier!
  
 
       
   Brett Adkins 
 August 14, 2023
 
 
 Trustindex verifies that the original source of the review is Google. This was a very good experience.   Everyone was very friendly and helpful and most importantly I broke up with my glasses.  I havent experienced any pain or anything and about after 2 days of rest i was ready to function again.
  
 
       
   Kirk Mortemore 
 July 18, 2023
 
 
 Trustindex verifies that the original source of the review is Google. I was in and out in less than 45 minutes.  It is insane thats all it takes to fix eyesight.  Less than 10 minutes in the operating room.  Feels weird but mostly painless.  About 3 minutes for each eye.
  
 
       
   LAURA 
 April 15, 2023
 
 
 Trustindex verifies that the original source of the review is Google. Did an amazing job. I got the SMILE lasiks procedure. Staff was nice. Dr. Wiley did an exceptional job. My only complaint is that I wish they would have given me a prescription for the one Valium pill BEFORE the day of my surgery so I could take it before I arrived because it definitely did not kick in until the ride home so I was super anxious during the procedure.
  
 
       
   Haley Wolfe 
 December 16, 2022
 
 
 Trustindex verifies that the original source of the review is Google. I am SO happy that I chose Toledo LASIK Center to conduct my surgery. First off, the staff is extremely nice and knowledgeable, they listen to concerns and questions about the surgery while reassuring you throughout the process. Secondly, the surgeon and tech that conducted my surgery were absolutely amazing. I was really nervous initially but they were there explaining the entire process to me and making sure I was okay/comfortable the entire time.

From the initial consolation to my post-op check up, I have never once regretted my decision to come here.

A special shout-out to Ray for being really kind and understanding, and for reassuring me the day of surgery. He is wonderful and Toledo LASIK Center is lucky to have him.
  
 
       
   Slee Biscuit 
 November 10, 2022
 
 
 Trustindex verifies that the original source of the review is Google. I was once told many years ago because of my significant astigmatism, Lasik was not in the cards. 20 years later I finally had enough of these glasses and having "underwater vision" when off. I consulted with them and was reassured advances in the technique. Going in, of course I was nervous, and the staff was very professional. The procedure took less than 15min. I'm now 3 months post op and have 20/15 vision. Best money I've ever spent. Thank you so much!

FAQs

Can I get LASIK if I have bad credit?

Yes, you can still get LASIK if you have bad credit. While having a good credit score can make it easier to get approved for financing with favorable terms, there are options available for those with less-than-perfect credit. Some LASIK providers offer in-house financing plans that are more flexible and may not require a high credit score. Additionally, you can look into third-party financing companies that specialize in medical procedures, which might offer options for individuals with varying credit histories.

What are the typical interest rates for LASIK financing?

Interest rates for LASIK financing can vary widely depending on the provider and the specific financing plan. Some providers offer interest-free financing for a promotional period, typically ranging from 6 to 24 months. After the promotional period, interest rates can range from 7% to 20% or higher, depending on your credit score and the terms of the financing agreement. It’s important to read the terms carefully and understand the interest rates before committing to a financing plan.

How do I apply for LASIK financing?

Applying for LASIK financing is usually a straightforward process. Here are the general steps:

Consultation: Schedule a consultation with your LASIK provider to discuss your candidacy for the procedure and the associated costs.
Choose a Financing Plan: Decide whether you want to use the provider’s in-house financing or a third-party financing company.
Application: Fill out a financing application. This can often be done online, in the clinic, or over the phone.
Approval: The financing company will review your application and perform a credit check. You’ll receive a decision typically within minutes to a few days.
Acceptance: If approved, review the terms and conditions. Once you agree to the terms, you can proceed with scheduling your LASIK procedure.

Are there any hidden fees associated with LASIK financing?

It’s essential to read the fine print of any financing agreement to understand all associated costs. Always ask your provider or financing company to explain all potential fees before agreeing to a financing plan. Some potential hidden fees include:

Application Fees: Some financing companies charge a fee to process your application.
Late Payment Fees: If you miss a payment, you might incur a late fee.
Prepayment Penalties: Certain plans may charge a fee if you pay off your financing early.
Deferred Interest: If you choose an interest-free promotional period but do not pay off the balance in full by the end of the period, interest might be retroactively applied to the entire original balance.

Can I use my FSA or HSA to pay for LASIK?

Yes, you can use your Flexible Spending Account (FSA) or Health Savings Account (HSA) to pay for LASIK surgery. Both FSAs and HSAs allow you to set aside pre-tax dollars to cover eligible medical expenses, including LASIK. Using these accounts can provide significant tax savings.

Be sure to check the specific rules and contribution limits for your FSA or HSA. Additionally, it’s a good idea to verify with your LASIK provider that they accept payment from these accounts.

LASIK Financing & Fees