Financing Your Eye Care Procedure
At Cutarelli Vision, we offer a variety of payment options designed to make eye care affordable. It is our belief that everyone can afford great vision!
If you finance your procedure through CareCredit, then you can pay over time with low monthly payments. CareCredit is designed exclusively for medical expenses and provides flexible payment plans. They make it easy for you to get the treatment you need and offer a range of no interest payment plans and extended payment plans. We also offer Capital One and Chase Health Financing. We provide you with the widest range of finance options to better meet your needs.
0% Financing available*
When considering a vision correction procedure, financial considerations should not be an obstacle in obtaining the eye care you deserve. Our goal is to not only make refractive surgery affordable for you, but to offer a superior combination of expertise, experience and advanced technology, all aimed toward obtaining your best possible results.
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You may choose any of the following payment options:
- Cash or Check
- Credit Card
- Monthly Payment Plan
- Our Monthly Payment Plans Offer: Zero Down Payment & Zero Interest for up to 24 months
- Zero Prepayment Penalty
Apply now at Chase Health Advance or call toll-free number 888-519-6111. The CareCredit Credit Card gives you the freedom to begin your LASIK or other vision correction procedures immediately — then pay for it over time with easy, low monthly payments that fit into your budget. You may begin your journey right now to your best possible vision!
CareCredit offers a comprehensive range of No Interest and Extended Payment Plans for procedure fees from $1 to over $25,000.
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CareCredit 0% Financing Available:
- Certain restrictions apply, financing W.A.C.
- CareCredit Extended Payment Plans: 24, 36, or 48-month Option Plans
- For procedure fees from $1,000 to over $25,000
- Monthly payments as low as $25 for a $1,000 fee balance
With CareCredit, you pay no up-front costs, no pre-payment penalties and no fees. Plus, CareCredit is a revolving credit line, a credit card for medical services, to be used for additional treatments or add-on charges, without the need to re-apply each time. It only takes a few minutes to apply for CareCredit and you could receive an online decision within seconds!
Insurance Health Plans:
LASIK is considered an elective procedure, and because of that Medicare and most insurance companies in the U.S. will not cover the cost. However, some health or vision plans offer reduced fees for LASIK Such plans include: Vision Service Plan (VSP), Davis, Lovelace, Cigna, TLC, EyeMed, Spectra, Vision 1, Coast to Coast, Aetna, Superior Vision and ColeManaged Vision. If you are a member of any of those plans, please inquire about pricing for LASIK.
Cutarelli Vision is an in-network provider for literally dozens of health and vision insurance plans. To find out whether we are providers with your insurance, please contact us in advance of your appointment. We provide complimentary insurance billing and will help you obtain prior authorization for covered procedures which require this process. Under many circumstances, insurance companies consider LASIK and some other procedures to be non-covered services. As each case is unique, we encourage you to learn about your own plan's offerings, and we will assist you in determining your coverage where possible. We are happy to process all such claims for you.
Flex Spending Accounts (FSA)
Don't Tax Your Vision! 
Individuals can now use tax-free Flex Spending Accounts to get reimbursed for eligible medical expenses. Around 90% of United States employees work for companies who offer a Flexible Spending Account, but only about 18% of that workforce takes advantage of this program.
A Flexible Spending Account or (FSA), (also called flex plan, reimbursement account, Cafeteria Plan, Flex 125, Tax Saving Plan, Medical Spending Account), is an employer-sponsored benefit that allows employees to pay for eligible medical expenses on a pre-tax.
Flexible Spending Accounts save you money by reducing your taxes. The contributions you make to a Flexible Spending Account are deducted from your paycheck before tax. This decreases your taxable income and increases your spendable income, thereby bringing down the cost of your chosen procedure.
It's important the you use the amount you have elected for your FSA plan each year, because if it is more than your actual expenses, you will have to forfeit the overage of funds you set aside. The excess amounts cannot be carried over to the following year nor can your employer return any money remaining in your FSA to you. Ask your human resource director about open enrollment and the details on Flex Spending Accounts.
Tax Benefits:
Moreover, it is possible that the cost of LASIK may be tax deductible, according to the Internal Revenue Service. The current law states that taxpayers with medical expenses that total more than 7.5% of their annual incomes can deduct those costs if they itemize, according to the Dow Jones Newswire. Because the procedure "meaningfully promotes the proper function of the body," LASIK qualifies as medical expense that can be deducted, the IRS said.
The IRS also said any out-of-pocket expenses for prescription drugs and insulin qualify as deductible medical expenses. The IRS discussed the tax treatment of medical expenses in revenue rulings 2003-57 and 2003-58. They will be published in the Internal Revenue Service bulletin dated June 2. The rulings and the bulletin can be found on the IRS Web site.
Out of Pocket:
For non-covered services, Cutarelli Vision accepts cash, cashier check or money order, VISA, and MasterCard. We also provide financing through Care Credit , an independent creditor offering a flexible payment program specifically designed for health care expenses.
Most laser vision correction procedures have a single fee that includes all post-operative visits during the routine follow-up period. Payment arrangements must be made at least seven days prior to the procedure.
Please feel free to contact us with your questions.
We also accept cash, personal checks, Discover, MasterCard, and Visa.
*Certain restrictions apply, financing W.A.C.
