Financing Your Refractive Implant Surgery

There are several financing options available for your refractive procedure

Comprehensive Fees

We do all we can to make refractive implants affordable for our patients. We work with insurance companies whenever possible, and we accept payments from HSA and FSA plans. We also partner with CareCredit to provide the option of monthly payments that fit into many budgets.

At Cavanaugh Eye Center, our fees for refractive surgery are global fees, meaning that they include everything associated with your procedure. We charge a fee for your pre-operative consultation that includes all the scans and measurements for surgery, but this fee is credited back towards the cost of your surgery. The procedure fee includes the surgeon fee, operating room charges, surgical supplies and all of your post-operative visits related to the procedure for the first year. Office visits un-related to the procedure will be charged as usual. If you are in the 10-15% of patients who require a LASIK enhancement procedure, this is included in the first two years and then provided for a discounted fee thereafter.

Financial Policy

Though refractive surgery is life-changing, it is considered to be elective by insurance companies and is rarely ever covered by insurance. The patient is responsible for the fees, and payment in full is required prior to the procedure or at check-in at the front desk on the day of surgery.

Payment Options

Payment in full is required at the time of service. We accept cash, check, Visa, MasterCard, Discover, and American Express. We do not provide financing in house for elective IOL upgrades but financing arrangements can be made through CareCredit.

CareCredit Low Monthly Payments

CareCredit offers a full range of payment plans so you can find one that works best for you. With the popular ‘Deferred Interest’ plans there are no interest charges if you pay your balance in full within the specified time period. CareCredit offers 12, 18, or 24 month plan options with low monthly payments available. You apply via and your specific rates will depend on your credit rating. The process is simple and you will have a credit determination quickly. Our surgical counselors can provide you information about CareCredit and help guide you through the process.