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Cost and Financing

We take an upfront approach to every aspect of Refractive Surgery. Understanding the cost factor is as important as knowing the potential for risk.

Atlantic Eye Institute “No Hidden Costs” Promise

The doctors and staff at Atlantic Eye Institute take an upfront approach to every aspect of Refractive Surgery. Understanding the cost factor is as important as knowing the potential for risk. Managing the costs involved and understanding what you are paying for (or not paying for) are important aspects in your decision-making. No doubt you have heard or seen many advertisements for eye correction surgery. Some are deceptive and do not explain all the details involved in the process.

Once you have been pre-screened and your doctor determines what kind of correction you will need, we will provide a quote for your specific procedure. Your cost includes your pre-operative appointment, the surgeon’s fee, the surgery (laser and O.R. supplies), post-operative appointments, your medical eye drops, and an enhancement if you were to need one within one year after your treatment.

The type of technology the doctor utilizes is a very important factor. However, it is just as important as the amount of time that your expert surgeon will dedicate to you and the health of your eyes. At Atlantic Eye Institute, your surgeon will be there for you during the entire process. Your eyes are very important to you and just as important to us!



Affordability of refractive surgery is the key for most of us. How does it fit into our household budgets? There are financing options available. And keep in mind that, depending on the type of eyewear you use now, refractive surgery will pay for itself in 4 to 6 years. We are pleased to offer Care Credit no interest payment plans to our patients. CareCredit lets you begin your treatment or procedure immediately-then pay for it over time with low monthly payments that are easy to fit into your monthly budget. Now you do not have to save up for years to finally get the vision you’ve always wanted.

Insurance Discounts

Although insurance does not cover refractive surgery, many patients are eligible for a discount through their vision insurance plan for laser vision correction. However, insurance does not currently discount implantable contact lenses.

Flexible Spending Accounts (FSA)

What is an FSA?

A Flexible Spending Account (a.k.a. FSA, flex plan, reimbursement account, Flex 125, Tax Saving Plan, Medical Spending Account, a Section 125, or a Cafeteria Plan), is an employer-sponsored benefit that allows you to pay for eligible medical expenses on a pre-tax basis. If you expect to incur medical expenses that won’t be reimbursed by your regular health insurance plan, you can take advantage of your employer’s FSA, if one is offered.

What is the benefit of an FSA?

The contributions you make to a FSA are deducted from your pay BEFORE your Federal, State, or Social Security Taxes are calculated and the contributions are never reported to the IRS. The benefit is that you decrease your taxable income and increase your spendable income which can save hundreds or even thousands of dollars a year.

How does a Flexible Spending Account (FSA) work?

At the beginning of the plan year, your employer asks how much you want to contribute for the coming year into your FSA. You have only one opportunity a year to enroll, unless you have a qualified “family status change,” such as marriage, birth, divorce, or loss of a spouse’s insurance coverage.
The amount you designate for the year is taken out of your paycheck in equal installments each pay period and placed in a special account by your employer. As you incur medical expenses that are not fully covered by your insurance, you submit a copy of the Explanation of Benefits or the provider’s invoice and proof of payment to the plan administrator, who will then issue you a reimbursement check.

What expenses are eligible?

Any expense that is considered a deductible medical expense by the IRS and is not reimbursed through your insurance can be reimbursed through the FSA. These include most elective surgeries, laser vision correction (LASIK), deductibles, and prescription drug co-payments.

We recommend that you determine your candidacy prior to making any allocations to your FSA plan. Call to schedule a free refractive consultation at Atlantic Eye Institute to determine your candidacy and cost.

*Pre tax savings, from using a Flex Spending Account, calculated at 25% based on combination of federal income, state income and social security taxes. Actual savings will vary based on your individual tax bracket.

Affordability Calculator

Your future lifetime cost of wearing glasses or contacts is:


• Low monthly payments
• No-interest financing for up to 24 months
• No up-front costs, or pre-payment penalties

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