You’ve decided that the best way to tackle your eyesight is LASIK. But now the real question is: how are you going to pay for it? Financing a big operation like this is difficult; most people don’t just have an extra couple thousand dollars (per eye) laying around. Luckily, if you’re like the rest of us and aren’t a millionaire, there is still hope to be able to pay for your surgery. Here’s how.
Scrimping and Saving
While this may not seem like the ideal option, many people prefer it. If you use your tax refund or save a certain amount every month, you should soon have the money. However, this might require significant lifestyle changes in order to actually be possible.
Figure Out Finance Companies
Medical financing companies are used to working with patients like you to figure out a good payment plan. If this is the route you want to go, it’s best to as your LASIK surgeon about which companies he or she works with and approves of. Essentially, you will apply for a loan from one of these financing companies. They will then give you said loan and you will be able to pay for your LASIK.
There are a few catches, however. Make sure you read the fine print. There may be some small details. Perhaps if you choose a loan that is just a few months shorter, you can cut out interest entirely, saving you hundreds of dollars in the long run. However, depending on your current financial situation, that might not be possible. Also make sure to always make a payment on time, or it might affect your interest rates and your credit score.
Take It From the Government
The government has Health Savings Accounts and Flexible Spending Accounts available where you can take part of your paycheck and put it toward medical costs. Perhaps the best part of it is that your HSA or FSA account is tax-free. That’s right; you won’t have to pay taxes on that money, and then you can use it for your LASIK so you can see all your dreams come true.