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Financing Options for Eye Surgery
Standard cataract surgery is covered by Medicare and most insurance plans. Premium lens implants, astigmatism correction and laser-assisted surgery are out-of-pocket upgrades — and for those, Insight Eye Center offers CareCredit and Alphaeon Credit financing, so the cost can be spread into monthly payments.
What does insurance cover, and what costs extra?
Cataract surgery with a standard lens implant, glaucoma treatment and medical eye exams are covered by Medicare and most insurance plans, subject to your deductible and coinsurance. What insurance does not cover are the elective upgrades: premium lens implants (toric and extended-range), astigmatism correction, and laser-assisted surgery. Those are the costs patients most often finance.
Before you decide on an upgrade, the office gives you the cost in writing, and Dr. Rom tells you plainly whether it is worth it for your eyes. Many patients choose standard surgery and are very happy with it.
- CoveredCataract surgery with a standard lens · glaucoma care · YAG laser for secondary cataract · medical eye exams. Deductible and coinsurance apply.
- Out-of-pocketToric and extended-range lens implants · limbal relaxing incisions · laser-assisted surgery · refractions for glasses (varies by plan).
Which financing plans does Insight Eye Center offer?
As a service to patients, Insight Eye Center offers CareCredit and Alphaeon Credit — healthcare credit programs designed for medical procedures, with promotional financing that can spread the cost of a lens upgrade or laser-assisted surgery into monthly payments. Both are applied for online in minutes, and approval can be used at the office.
CareCredit
A healthcare credit card accepted at the office for out-of-pocket costs. Promotional financing options, including deferred-interest plans, are available on qualifying purchases; terms are set by CareCredit and depend on the amount and the plan you choose. Apply online and bring your approval to your visit.
Alphaeon Credit
A credit program built for elective medical procedures, including premium lens implants and laser-assisted cataract surgery. Special financing plans are available on qualifying purchases; terms are set by Alphaeon Credit. Apply online, then let the office know you have been approved.
The live financing page advertised "12 months interest-free" with "no up-front costs, no pre-payment penalties, and no fees." Promotional terms change; confirm the current offer with the office before relying on it.
How does financing an upgrade work?
Four steps: get the cost of your lens upgrade or laser-assisted surgery in writing at your cataract evaluation; apply online with CareCredit or Alphaeon Credit, which takes a few minutes and gives a decision quickly; tell the office you have been approved; and pay the upgrade portion with your account at the office, with your insurance billed for the covered surgery as usual.
- Get the figureAt your cataract evaluation, the office gives you the out-of-pocket cost of any upgrade Dr. Rom recommends, in writing.
- Apply onlineUse the CareCredit or Alphaeon Credit link above. The application takes a few minutes; decisions are usually immediate.
- Tell the officeLet the staff know you have been approved and which program you are using, so your account is ready before surgery.
- Pay at the officeThe upgrade portion is charged to your financing account; the covered part of your surgery is billed to Medicare or your insurance as usual.
Common questions about cost and financing
Short answers to the questions patients ask most often. For anything specific to your eyes, ask Dr. Rom at your visit or call the office at (440) 286-1188.
Is cataract surgery covered by Medicare?
Yes, when it is medically necessary, with a standard lens implant, subject to your deductible and coinsurance. Premium lenses, astigmatism correction and laser-assisted surgery are out-of-pocket upgrades.
Do I have to finance an upgrade?
No. You can pay the upgrade cost directly, or choose standard surgery, which many patients do. Financing is simply an option for spreading the cost.
How do I apply for CareCredit or Alphaeon Credit?
Online, using the links on this page. Applications take a few minutes and decisions are usually immediate. Bring or mention your approval at your visit.
Are the interest-free offers still available?
Promotional terms are set by the credit programs and change over time. Ask the office or check the program's site for the current offer before relying on it.
Can I pay my bill online?
Yes. Existing patients can pay bills through the practice's online bill-pay portal, linked in the footer of every page.
Get the numbers before you decide.
Request a cataract evaluation with Dr. Rom in Mentor. You will leave with a plain recommendation and the cost of any upgrade in writing.
