Defraying the Cost of Laser Vision Correction

Exploring the possible financial advantages of laser vision correction is probably one of the most important factors facing your decision to have the procedure. You may be surprised to learn that laser vision correction could actually be less expensive than long term dependence on eyeglasses or contact lenses.

During your initial free, no-obligation consultation, if we determine that you are a candidate for vision correction surgery, we will explain the details of the surgery that is right for you, as well as the costs and payment options. The cost of your vision correction procedure is determined by  the type of procedure that is best suited for your eyes depending on the degree of vision correction that you require.

We offer a broad range of payment and financing options to help make laser vision correction within your means.

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Chase Health Advance Financing Options

Low Monthly Payment Plan at 0% Interest for 12 or 18 Months

Here at the Shealy Eye Laser Center, financial considerations should not be an obstacle in obtaining high performance laser vision correction. Our goal is to make our laser vision correction affordable for any budget by offering our expertise, experience and advanced laser vision technology.

You may choose any of the following payment options:

• Cash or Check
• Credit Card
• Monthly Payment Plan

• No Down Payment & 0% Interest for 12 or 18 Months
• Down Payment with Low Monthly Payments at 0% Interest for 12 or 18 Months
• No Pre-payment Penalty

Apply now or call toll-free number 888-510-5638. Have our Provider ID# 31467 ready to apply.

The application process is fast, easy and of course completely confidential 24 hours a day, 7 days a week.

Dr. Shealy can tailor an in-office financial plans for patients, which he will be offering for the next three months, using a combination of financial resources. Dr. Shealy will set-up payment arrangements on an individual needs basis for each patients' tailored financial plan. 09-02-2009

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Credit Cards

We accept most major credit cards.

Financing with your current credit cards may be more economical than other forms of financing, depending on your credit rating. If you are in good standing with your credit card company, you may be able to negotiate a better annual percentage rate than you are currently getting. And lowering your credit limit on credit cards that you don't use or hardly use will increase your revolving credit making it much easier to get those lower rates, not to mention that it may help your overall credit score. The better your credit score, the better credit card rates you will be eligible for.

CREDIT CARDS 101

Know your limit. Exceeding your limit is usually considered a violation of your account agreement and may result in additional fees or penalties, or the freezing or cancellation of your account. Pay on time. Whether you choose to make the minimum payment or to pay the total outstanding balance, your payment must reach the financial institution or business by the payment due date. Otherwise, you will incur late fees, and you may damage your credit history. Stay in good graces. Most payment cards offer a grace period where you can pay off the total balance of your account and avoid any finance charges. In a way, it's like an interest-free loan for up to 30 days, because purchases paid off during the billing period, during which they were incurred, do not accrue interest. In fact, many consumers pay their balance in full during this period. Get to know your APR. Because different institutions often use different systems for computing finance charges, your APR (annual percentage rate) is a valuable number to know. If you plan to carry a balance on your account often, it may make sense to shop around for a lower APR, even if you must pay a higher annual cardholder fee. Keep in touch. If you change your name, address, or job, notify your lending institution immediately. Your payment could turn into a late payment in the time it takes for a statement to be forwarded to your new address by the postal service. Also, contact your lender if you cannot make a payment on your account for any reason. Special payment options or agreements may be arranged that will satisfy both you and your lender, while keeping your good credit history intact.

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Insurance Coverage

Because vision correction surgery is considered elective and cosmetic, most insurance companies do not cover these procedures. Please contact your insurance company for coverage information and an explanation of your benefits.

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◄Flexible Spending Savings Vouchers! Don't miss out! Register NOW for your Flexible Spending Savings Voucher! Savings of $200 OFF both eyes, or $100 per eye, for laser vision correction with the No-Cut Surface Allegretto Wave laser. Offer for a limited time only.

Tax Savings/Flex Plans

Laser Vision Correction Can Be Even More Affordable With Flexible Spending Accounts

Savings of up to 50% on laser vision correction procedures

Employees of thousands of companies now have flexible spending accounts, sometimes referred to as a ‘flex plan’ or ‘cafeteria plan’. This underutilized benefit can save you hundreds of dollars on medical bills. And depending on your tax bracket, you could save up to 50 percent when you use your Flexible Spending Account to pay for laser vision correction.

How a Flexible Spending Account works

Money you and your employer set aside in a Flexible Spending Account is exempt from federal and state income tax and from Social Security tax. The maximum amount you can contribute to an FSA, by law, is $5,000. Many companies set contribution limits to about $2,000 to $3,000.

Flexible Spending Accounts aren’t just a saving account. By decreasing the amount of taxes you pay, they save you money. For example, if your income is $35,000 per year, the rates of 16% Federal Income Tax, 6% State Tax and 7.65% FICA Tax, your payroll taxes for the year would be about $10,377. One contribution of $3,000 to your FSA, free from taxes, means you only pay taxes on $32,000 that year – a net savings of approximately $900. Those in higher tax brackets save even more.

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Gift Certificates

Give the Gift of Vision

Helping someone you love enjoy life more fully by decreasing or eliminating their dependence on glasses or contact lenses is a gift that will be appreciated every day. You can now acquire gift certificates toward laser vision correction provided at the Shealy Eye Laser Center.

Each gift certificate will bear the name of the person receiving the gift, the amount of the certificate, and a certification number. It will be placed in a special gift card inscribed with their name, any message you requested and your name, unless you have instructed us that the gift is being given anonymously. It will then be delivered according to your instructions.

AN EASY WAY TO SHOP!

Just call our office at 1-800-644-6393 and one of our friendly staff member will assist you.

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