Financing Your Surgery
When considering a vision correction procedure, financial considerations should not be an obstacle to receiving the care you deserve. At Gulfcoast Eye Care, our goal is to make vision correction surgery affordable for any budget. Whether you are considering LASIK, advanced laser surface ablation, laser cataract surgery, or an upgrade to an advanced technology Lifestyle Lens implant, we have a number of options to choose from. You may choose to pay by cash, check, credit card, or a monthly payment plan through a third-party vendor such as Care Credit.
Gulfcoast Eye Care offers monthly payment plans including:
- No down payment and zero interest for 6, or 12 months
- No down payment and low monthly payments at a fixed interest rate for up to 60 months
- No prepayment penalty
If you would like to learn more about financing options, please call us at (727) 346-8696. If you would like to apply for financing, you may apply either online, by phone, or in our office.
We at Gulfcoast Eye Care are committed to helping make LASIK, lens replacement, and vision correction surgery affordable for you. If you can afford Starbucks, then you can afford LASIK and vision correction surgery, as we have financing available often for as little as about $4 per day! And, if you can skip the Starbucks for a little while, you can pay for your procedure.
Flexible Spending Accounts and Health Savings Accounts – Tax-Free Saving
There is no time to waste! Use your current tax year’s dollars before they expire or find out if you are a candidate now by scheduling your FREE LASIK consultation so you can allocate dollars for your 2017 plan and have LASIK with Dr. Manning in January!
Step-By-Step: How to use your Flex Plan for LASIK:
- Schedule your FREE LASIK consultation at Gulfcoast Eye Care by calling (727) 346-8696.
- Already enrolled for this year? Be sure to use the funds you’ve set aside before they expire, which is typically at the end of the year. In other words, use it or lose it!
Need to enroll for 2017? Check with your HR Manager to find out if a Flex Spending Account or Healthcare Savings Account is available and when the enrollment period is. And, since you have already come in for a consultation, you will know if you are a candidate and how much to allocate for your LASIK procedure.
- When it’s time for LASIK, use your Flex Plan card to pay or submit your receipt for reimbursement (check your plan for details). And the best part is, once you enroll your plan is effective immediately, you don’t have to wait until the end of the year to use it.
- Enjoy your new vision with significant savings!
If you participate in your employer’s Flexible Spending Account (FSA) or set aside funds in a Health Savings Account (HSA), you may be able to save a considerable amount on your payroll taxes and pay for your procedure with pre-tax or tax-free income. For example, if you put $5000 into your FSA or HSA to cover the cost of LASIK, you could avoid paying up to $2000 in taxes depending on your tax bracket. In other words, the real cost of your LASIK would then be $3000—a huge savings.
As many companies have enrollment periods for HSA and FSA accounts in the Fall, this may be a perfect time to come in for an evaluation. With this, you can learn whether you are a candidate for vision correction and find out exactly how much to set aside in your HSA or FSA to cover your surgery. Keep in mind that while Health Savings Accounts may allow for rollover of funds from one year to the next, Flexible Spending Accounts generally do not and will usually require you to “use or lose” the funds you have set aside by about the start of the new year.
LASIK Surgery and other vision correction procedures are tax deductible. While cosmetic procedures such as liposuction and face-lifts are not considered medical necessities, surgery to correct your eyesight is considered a legitimate tax-deductible medical expense. See IRS Publication 502 to learn more about deductible and non-deductible medical procedures.
When considering vision correction surgery, one important factor to consider is the cost of your procedure. LASIK, Lifestyle multifocal lens implants, astigmatism correction, and other vision correction procedures are considered elective and therefore not covered by insurance. The current marketplace can be quite confusing, particularly with some corporate LASIK centers engaging in “bait and switch” marketing tactics that make the price of LASIK appear to be falsely low so as to lure the unsuspecting consumer in. Others use older technologies so as to reduce costs. If you have done your research, then you know that vision correction surgery is not all the same.
At Gulfcoast Eye Care we utilize the latest technologies so as to provide our patients with safer, more precise and reliable results. While some doctors might only offer PRK or LASIK with a microkeratome, we offer all of the most current options in vision correction including “bladeless” and “all-laser” technology. We offer the full range of technologies so that we can select a procedure that will be the best choice for you and your eyes. Think about how important your vision is to you. Would you go to the cheapest heart surgeon for open-heart surgery?
The Average Cost of Eye Care over 15 Years
Ask yourself “Is LASIK affordable for me?” Or you may ask yourself a similar question, “How much will an advanced technology Lifestyle Lens implant cost?” Think of what you already spend each year on eye exams, frames, contact lenses, and solutions.
Eye Exam (every two years) $150
Frames (every two years) $250
15 Year Total = $3000
Soft Disposable Lenses and Back-Up Glasses
Initial exam with lenses $225
Contact Lenses (each year) $200
Eye Exam (each year) $75
Solutions (each year) $150
Frames (every 2 years, 7 pairs) $250
15 Year TOTAL = $8350
Rigid Gas Permeable (RGP) Lenses and Back-Up Glasses
Initial exam with RGP lenses $300
Eye exam (each year) $75
RGP contact lenses (every 2 years, 7 pairs) $180
Solutions (each year) $150
Frames (every 2 years, 7 pairs) $250
15 Year TOTAL = $6685
As you can see LASIK and other surgical vision correction that can reduce your dependence on glasses and contacts is an investment that can quickly pay for itself. By putting what you would put towards glasses and contacts toward vision correction surgery, you could have your procedure paid off and then save money every year thereafter! Why “rent” good vision with inconvenient, uncomfortable, and temporary fixes like eyeglasses or contacts? Why not instead “own” your great vision with a vision correction procedure at Gulfcoast Eye Care.
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