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Vision Correction Financing Options in San Diego

Does Insurance Cover My Procedure?

There are a few insurance companies that cover Vision Correction or elective procedures, however, most do not. We will be glad to make a copy of your insurance card and check coverage for you at the time of your evaluation or consultation.

What are my financing options?

Vision Correction Procedures, Facial Rejuvenation or any surgical procedure requiring payment in advance, can be paid for in a number of ways. We offer financing through various financial institutions ensuring different plans and interest rates so you can choose one that best fits your needs. A multitude of options are offered including 2-to-5-year financing plans and no payment for 60 days. Please ask for further details or an application.

Applying for financing consists of a very short form, literally taking less than 5 minutes. The form is then submitted via fax, and in most cases, authorization guaranteeing your funds is issued within 20 minutes! Interest rates and down payment requirements are solely dependent upon credit rating.

Many patients also have “Flex” or “Cafeteria” plans through their employer, which allows them to pay for these procedures with pre-tax dollars. We can assist you with the necessary paperwork. Contact your Human Resources Department for availability and enrollment requirements. We also accept cash, debit cards, personal checks and most major cards (i.e., VISA, Master Card, Discover, and American Express).

Financing Options

CareCredit

There is an easier way to pay for your vision care including LASIK. We’re pleased to accept the CareCredit credit card, North America’s leading patient healthcare financing program. CareCredit lets you begin your procedure immediately — then pay for it over time with monthly payments that fit easily into your monthly budget.

Whether you’re considering LASIK, need cataract surgery, or it’s simply time for new glasses or contacts, CareCredit can help you see clearer, sooner.

Payment Calculator

 

CareCredit is the credit card exclusively designed for healthcare services. CareCredit offers special financing on purchase of $200 or more* for healthcare procedures not commonly covered by insurance, including LASIK and Premium-IOLs. Why put off improving your vision tomorrow, when you can see clearer today?

*Subject to credit approval. Minimum monthly payments required. Visit www.carecredit.com for details.

Alphaeon Credit Card

Transform your vision without financial stress! Our practice proudly accepts the Alphaeon Credit Card, tailored for health and wellness needs, including cataract surgery, premium IOLs, glasses, contacts, and more. With Alphaeon Credit, you can start your eye care journey today and pay overtime with flexible monthly plans that suit your budget. Don’t let cost delay clearer vision!

Why Choose the Alphaeon Credit Card?

• Flexible monthly payment options to meet your vision care goals.
• Special financing on purchases of $250 or more*—unlike standard credit cards.
• Reuse your card for future treatments for you or your family, no reapplication needed.
• Covers services often not included in insurance, such as LASIK and premium IOLs.

Disclaimers:

*$ Subject to credit approval. Purchases must be made using the ALPHAEON CREDIT Card Account, issued by Comenity Capital Bank, which determines credit qualifications and promotion eligibility. Minimum payment is $27.00. Minimum interest charge is $3.00 per plan. Standard variable APR is 32.99% (based on the Prime Rate). Valid for single transactions only.

** A soft inquiry is used to check your eligibility, which will not affect your credit score.

Health Insurance vs. Vision Insurance: What’s the Difference?

Understanding which insurance applies to your eye care visit can feel confusing. That’s why we created this short video to explain the difference between health insurance and vision insurance, and when each one is used.

Both health and vision insurance play an important role in keeping your eyes healthy and your vision clear:

• Health insurance generally covers medical eye exams and treatments related to eye health — such as glaucoma, cataracts, or eye injuries.
• Vision insurance helps with how you see day-to-day. It often covers routine eye exams, prescription glasses, contact lenses, and other vision services.
• Some plans (like Medicare) may cover certain medical services but not routine refraction tests for glasses prescriptions.
• Even if adult vision benefits aren’t included, most health plans provide children’s vision services.

To make the most of your benefits, please:

• Bring both your health insurance card and, if you have one, your vision insurance card to your appointment.
• Provide a printed list of all current medications.
• Ask our friendly staff any questions — we’re here to help.