Gulf Coast Eye Care

Financing Your Surgery

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Financing Options

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 Alphaeon Credit or Care Credit.

Gulfcoast Eye Care offers monthly payment plans including:

  • No down payment and zero interest for 6, 12, or 18 months
  • No down payment and low monthly payments at a fixed interest rate for up to 60 months
  • No prepayment penalty

ALPHAEON CREDIT

With the ALPHAEON CREDIT card, you’ll find the widest array of monthly payment options to help your reach your individual wellness, beauty, and performance goals. The ALPHAEON CREDIT card allows you to move forward today without delay and receive the care your physician recommends with flexible payment options that fit your lifestyle. Plus, with special financing options not available with other credit cards, you may find the ALPHAEON CREDIT card is the better way to pay. We offer 6, 12 18 and 24 month financing plans for those that qualify.

ALPHAEON CREDIT

 

CareCredit Healthcare Financing

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 & Health Savings Accounts

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!

Step-By-Step: How to use your Flex Plan for LASIK:

  1. Schedule your FREE LASIK consultation at Gulfcoast Eye Care by calling 727-785-4419.
  2. 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!
  3. Need to enroll? 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.
  4. 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.
  5. Enjoy your new vision with significant savings!

Think about how much of your paycheck goes to pay your income taxes. 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. At the end of the day, this means you have more money to spend on you rather than simply having to pay that money to the government.

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.

Tax Deductions

LASIK Surgery and other vision correction procedures are tax deductible. While cosmetic procedures such as liposuction and facelifts 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.

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.

To see your estimated LASIK savings, use our LASIK Savings Calculator.

 

LASIK Savings Calculator

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Gulf Coast Eye Care

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