Editor's choice: LendingClub personal loans
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Paying for contacts, new glasses, yearly visits to the optometrist — it adds up. Getting laser eye surgery can save you a pile of money in the long run. But getting together the money to cover the immediate cost isn’t always that easy. Almost all insurance providers consider it an elective procedure so it isn’t always covered. And even if it is, it’s usually only partial.
We break down your financing options and costs of LASIK eye surgery to make your payments more manageable.
Yes. A common reason borrowers take out personal loans is to pay for medical procedures that aren’t covered or only partially covered by insurance.
Some personal loan providers also offer financing specifically designed to cover the cost of medical procedures. Often healthcare providers have partnerships with lenders to offer financing packages to patients. When looking for a loan, check with your LASIK center to see what types of financing they offer in addition to other personal loans.
Typical LASIK procedures can cost anywhere between a couple hundred to a couple thousand dollars per eye, though the average cost ranges from $1,500 to $2,500 per eye. This generally depends on what type of procedure you have. Here’s how they break down:
|Type of surgery||Avg cost for both eyes|
|LASIK with blades||$3,000|
Some insurance companies partially subsidize the cost of LASIK surgery, however. Large vision providers like Blue Cross Blue Shield, Davis Vision, EyeBenefits, Aetna and VSP often offer discounts of up to 50% off the procedure.
You don’t necessarily need to take out a personal or medical loan to cover your LASIK costs. Here are some of your other options:
The last thing anyone wants is to have their LASIK procedure botched by a surgeon with a poor track record — or no track record at all. But you might wind up paying more than necessary if you go by reputation alone. Consider these key factors when deciding on a surgeon.
Did you know LASIK stands for “laser-assisted in situ keratomileusis”? That’s the medical name for this vision-correcting eye surgery procedure.
LASIK eye surgery doesn’t have to be a huge one-time expense. Personal loans and financing from your medical provider can make paying for your eye surgery a lot more manageable. While you might spend a little extra in interest, the amount you save on contacts and glasses might make it worth it. Get started by asking your surgeon about financing options and checking out our personal loans guide.
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