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How To Cover For The Cost Of Lasik Eye Surgery

Aug 18, 2007
If we take the amount of money the Americans spend on lasik eye surgery then the average cost for the operation of each eye is about $1,800. Of course this will vary according to the surgeon and the kind of procedure being employed.

But still the average cost is a bit steep and it might be difficult for many to fund the cost of such an operation at one go. Thankfully, there are options available which a patient can utilize if it's difficult for him to pay that amount at one go. And this can be done without compromising on the quality of the operation.

Insurance

While most health insurances wouldn't cover operation. But some coverage plans might actually provide you with that option. If that is the case then you are really lucky. Otherwise to get insurance pay for your eye surgery you have to convince that the surgery was a medical necessity. If that is indeed the case, then and only then, will an insurance company redeem your costs, otherwise not.

Financing Options

Today quite a few companies offer special financing options just for this eye surgery. It's almost like buying a car or a house. The company pays for you initially, while you pay the company back in small easy installments. There are payment plans which allow you even up to five years to repay your entire loan. And that could come down to as little as $60 per month.

Of course that depends on the actual cost of your surgery, but these finance plans actually allow someone to go for the operation without postponing it for years just because he doesn't have the money now. Often the clinics help you to get the right financing plan for you and at times they themselves offer such plans. If you are ready to pay back quickly, say in 3 to 6 months, then you might also land up with an interest free deal. Now that's something really exciting.

Credit Cards

An alternative to the financing options is the credit card. See if it works out to your advantage by paying through your credit card. If the interests charged on your credit card expenses is less than what you are paying in the payment plans offered by the companies, then it will be wise to spend the money through credit card on your operation.

LASIK prices differ widely from one provider to another and depend on many factors. The only universal standard is that other refractive surgery prices are quoted per eye. A leading industry analyst in 2007 said only 6.9% of conventional lasik procedures cost less than $1,000 per eye.

These procedures are performed with the less expensive options of bladed microkeratomes and conventional excimer lasers, not guided by wavefront analysis. Most customized wavefront procedures that also use laser-created flaps (IntraLase) cost from $1,000 to $2,500 per eye
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