Call for an appointment: Modesto, CA (209) 549-2002 Turlock, CA 209-634-2925

Financing Your LASIK Surgery

LASIK Surgery is an investment in your eyes and your well being.  We understand that the cost for this elective procedure may seem prohibitive, however, your eyes are very precious.  During your consultation we will take the time to discuss financing options, if you are interested.  Our goal is to and take the time to work with you to find an option that is both affordable and helps you achieve your clear vision dreams.  Financing plans are available for almost any budget.  We offer service and financing for up to 60 months through Unicorn® Financial and CareCredit®. To learn more about the payment plans available for refractive surgery and LASIK at our Modesto office, contact Northern California Laser Center today.

Cash, Credit Cards

We accept cash, along with Visa and MasterCard credit cards.  Many times patients find the best financing deals through special credit card offers.

   

Unicorn® Financial

There are three easy ways you apply with Unicorn:

            • Online – begin application online. 
            • Phone – you may call and speak to a live representative at (888) 519-6111 from home or work.  Have our merchant ID# 31517 ready. The application process is fast, easy and confidential.
            • Fax – you may fill out an application at The Eye Center and we will fax it directly to Unicorn for you.

Care Credit®

As a service to our patients, we also offer the CareCredit® patient payment program.  CareCredit® lets you begin your procedure immediately -- then pay for it over time with low monthly payments that are easy to fit into your montly budget.  So, you can begin your vision care today and conveniently pay with low, monthly payments.

CareCredit offers a comprehensive range of No Interest and Extended Payment Plans for procedure fees from $1 to over $25,000.  Extended Payment Plans have 24, 36, 48 and 60 month plan options with 11.90% interest rate.  You pay no up-front costs, no pre-payment penalties and no fees.

To learn more about how Care Credit® can help you afford LASIK refractive surgery, contact us in Modesto today. 

 

Flexible Spending Accounts (FSA)

FSA's can be used to pay for laser vision correction and depending on your tax bracket can save you significant amounts. Generally, these accounts allow you to specify how much you want to contribute from each paycheck and is deposited into a special account. This money is exempt from federal, state, and Social Security taxes. You can then use this money to pay for eligible medical expenses that won't be reimbursed by your regular health insurance - this money could then be used for your LASIK procedure. Most companies allow you to spend the money any time during the year, even when it has not fully accumulated in your account. FSA funds that are not used up by Dec. 31st of the year get forfeited. We suggest you schedule your free consultation first to determine your candidacy and to know how much to invest in your FSA.

By deducting money from your pay before taxes, FSA's allow you to save by reducing your income taxes and increasing your spendable income.  Ask your Human Resources department or Benefits manager to see if your company participates in an FSA and to show you how your particular plan works.  Open enrollment usually occurs once a year for a short time period.  Ask your employer if they offer a Flexible spending plan.  We encourage you to schedule your free consultation first, prior to allocating any funds to these accounts.

 

Health Savings Accounts (HSA)

HSA's were created to encourage people to save for retirement and medical expenses. HSA's are different from Flexible Spending Accounts in that the money in the account does not get forfeited at the end of the year. They may be likened more to IRA's and savings account. These tax free funds may be used for vision correction and many patients realize an enormous benefit when using them for their procedure. See your HR department or Benefits manager to learn all the details about your HSA. 

 

IRS View of LASIK Eye Surgery

The IRS has deemed that laser eye surgery is a valid medical expense and is tax deductible in some cases. Please consult with your tax professional for details. Refer to publication 502 on the www.IRS.gov.

 

The physicians of Northern California Laser Center are renowned Stockton and Modesto lasik eye surgeons. They are also considered Stockton and Modesto cataract surgery specialists. These physicians treat LASIK Stockton and cataracts patients from their Modesto offices.

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