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Financing LASIK Surgery
LASIK Surgery is an investment in your eyes and your well being. At NCLC we understand the cost for this procedure may seem prohibitive, however, we can make your dreams a reality. With 0% Down, 0% Interest for 24 months or extended payment plans for as little as $65 a month, there is a financing plan to meet almost every patients needs. Our trained staff can help you through the process. Don't compromise when it comes to your eyes! We offer only the most advanced LASIK surgery available because we think you deserve only the best!
Financing plans are available through CareCredit Financial. You can apply directly online or in our office.
As a service to our patients, we also offer the CareCredit® patient payment program. 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 13.90% interest rate. You pay no up-front costs, no pre-payment penalties and no fees. CareCredit is a revolving credit line for additional treatment or add-on charges, without the need to re-apply. It only takes a few minutes to apply for Care Credit and you may receive an online decision in seconds!
Cash, Check or Credit Cards
We accept cash, along with Visa and MasterCard credit cards. Bank and Personal Check may also be used if provided in advance. Many times patients find the best financing deals through special credit card offers.
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.