LasikPlus is a financing and membership program for LASIK eye surgery, not a surgery provider itself

LasikPlus is a network and financing option run by Bausch + Lomb, a major eye care company. It connects you with LASIK surgeons in its network and offers payment plans so you can spread the cost over time instead of paying upfront. You do not go through LasikPlus to have surgery — you go through a surgeon who is part of the LasikPlus network, and LasikPlus handles the financing and membership benefits.

The program works like this: you find a participating surgeon through the LasikPlus website or phone line, schedule a consultation with that surgeon, and if you decide to move forward, you can use LasikPlus financing to pay for the procedure. The surgeon performs the surgery at their own facility, and LasikPlus manages the payment arrangement between you and the surgeon.

This is different from going directly to a surgeon's office and arranging your own financing or paying out of pocket. With LasikPlus, the financing terms and network of surgeons are set by the program, which can simplify the process if you already know you want to use a payment plan.

Key Takeaways

  • LasikPlus is a financing and surgeon network program run by Bausch + Lomb, not a surgery center or provider itself.
  • You use LasikPlus to find a participating surgeon and arrange a payment plan for LASIK, but the surgeon performs the procedure at their own facility.
  • The program offers financing options that let you pay for surgery over time rather than all at once.
  • You will still need a consultation with a surgeon to determine whether you are a candidate for LASIK before any financing is discussed.
  • LasikPlus membership may include discounts on related eye care services, though the specific benefits depend on the plan you choose.

How to find a LasikPlus surgeon in your area

LasikPlus maintains a directory of surgeons who participate in the program. You can search by zip code on the LasikPlus website or call their phone line to get a list of surgeons near you. The directory shows each surgeon's location, credentials, and patient reviews.

Once you have a list of surgeons, you contact them directly to schedule a consultation. The surgeon's office will ask about your medical history, current eye prescription, and any eye conditions that might affect your candidacy for LASIK. This consultation is where the surgeon determines whether LASIK is right for you — not all eyes are suitable for the procedure.

If the surgeon says you are a candidate and you want to proceed, that is when you discuss financing options. The surgeon's office can explain what LasikPlus financing terms are available and help you complete the paperwork.

What LasikPlus financing plans cover and what they cost

LasikPlus offers payment plans that spread the cost of LASIK over a set period, typically 12 to 60 months depending on the plan you choose. The total cost of LASIK varies by surgeon and by the specific procedure (standard LASIK, wavefront-guided LASIK, or other variations), so there is no single price across all LasikPlus surgeons.

The financing plans themselves are provided through a third-party lender, not directly by LasikPlus. This means your monthly payment, interest rate, and approval depend on a credit check. You will need to provide financial information and authorize a credit inquiry before the lender decides whether to approve you and at what rate.

Some LasikPlus plans may include coverage for follow-up visits or touch-up procedures within a certain time frame, but this varies by surgeon and plan. Ask the surgeon's office specifically what is included in the financing plan you are considering — do not assume that all follow-up care is covered.

What happens during the LasikPlus process from consultation to surgery

The first step is the consultation with the surgeon. During this visit, the surgeon performs tests to measure your eye shape, thickness, and prescription. They will also ask about your medical history, any medications you take, and your lifestyle to determine whether LASIK is safe for you. This consultation usually takes 30 minutes to an hour and may cost a fee, though some surgeons waive it if you decide to have surgery with them.

If you are a candidate and want to move forward, you and the surgeon's office will discuss the cost and financing options. At this point, you can ask about LasikPlus plans. The office will help you explore for financing through the lender. You will provide your Social Security number, income information, and other financial details. The lender typically makes a decision within a few days.

Once financing is approved, you schedule your surgery date. Before surgery, you will have a pre-operative appointment where the surgeon reviews the procedure, answers final questions, and gives you instructions for the day of surgery (such as not wearing contact lenses for a certain period beforehand). On surgery day, you arrive at the facility, receive numbing eye drops, and the surgeon uses a laser to reshape your cornea. The procedure itself takes about 15 minutes per eye.

After surgery, you have follow-up appointments at one day, one week, one month, and three months to monitor healing and may support your vision is improving as expected. These visits are part of the standard post-operative care and are usually included in the surgery cost, though confirm this with your surgeon.

Differences between LasikPlus and going directly to a surgeon

If you go directly to a surgeon who is not part of LasikPlus, you arrange financing on your own — either through the surgeon's in-house payment plan, a personal loan, a credit card, or by paying out of pocket. You have more flexibility to shop around for the best rate and terms, but you also have to do more legwork to compare options.

With LasikPlus, the financing terms are standardized across the network, which can make it easier to compare what different surgeons charge. However, you are limited to surgeons who are part of the LasikPlus network. If your preferred surgeon is not in the network, you cannot use LasikPlus financing with them.

LasikPlus membership may also include discounts on other eye care services like glasses, contact lenses, or eye exams at participating providers. These benefits vary by plan and location, so ask about them when you are discussing financing options.

Common questions about LasikPlus financing and approval

LasikPlus financing is subject to credit approval, which means your credit score, income, and debt-to-income ratio all factor into whether you are approved and what interest rate you receive. If you have poor credit or a high debt load, you may be denied or offered a higher rate. Some surgeons offer alternative financing options if you do not meet the LasikPlus lender's requirements, so ask about those if you are turned down.

The interest rate on LasikPlus financing varies depending on the lender's current rates and your creditworthiness. Rates are typically in the range of 0% for a limited promotional period (if available) to standard consumer loan rates, but you will not know your exact rate until you explore and the lender reviews your credit. Always ask what the interest rate will be before you sign any paperwork.

If you have a flexible spending account (FSA) or health savings account (HSA) through your employer, you may be able to use those funds to pay for LASIK, including the portion you are financing through LasikPlus. Check with your plan administrator about whether LASIK is a covered expense and whether you can use your account balance toward a financing plan.

What to ask the surgeon before committing to LasikPlus financing

Before you sign up for a LasikPlus financing plan, ask the surgeon's office these questions: What is the total cost of the procedure? What does that cost include — just the surgery, or also pre-operative tests and post-operative visits? Are there any additional fees if you need a touch-up procedure within a certain time frame? What is the surgeon's experience and success rate with LASIK?

Also ask about the financing specifically: What is the interest rate? How long is the financing term? Are there any prepayment penalties if you pay off the loan early? What happens if you move or want to switch surgeons — can you transfer the financing? And what is the surgeon's refund or revision policy if you are not satisfied with the results?

Get the answers in writing before you commit. Financing paperwork can be dense and straightforward to misread, so take time to review it and ask the office to clarify anything you do not understand.

Frequently Asked Questions

Do I have to use LasikPlus financing, or can I pay out of pocket with a LasikPlus surgeon?

Yes, you can pay out of pocket or use your own financing even if you choose a surgeon in the LasikPlus network. LasikPlus is an option, not a requirement. You can also ask the surgeon's office about other payment plans they offer.

What if I am not approved for LasikPlus financing?

If the LasikPlus lender denies you, ask the surgeon's office about other financing options they may offer, such as an in-house payment plan or a referral to a different lender. Some surgeons work with multiple financing companies and can help you find an alternative.

Can I use insurance to pay for LASIK through LasikPlus?

Most health insurance plans do not cover LASIK because it is considered elective surgery. However, some vision insurance plans or employer benefits may offer a small discount or reimbursement. Check your plan documents or call your insurance company before scheduling surgery.

How long does it take to get approved for LasikPlus financing?

The lender typically makes a decision within a few days of your process. Once you are approved, you can schedule your surgery. The entire process from consultation to surgery usually takes two to four weeks, depending on surgeon availability.

What if I move after I start LasikPlus financing?

Your financing agreement is with the lender, not with the surgeon, so moving does not affect your loan. You will continue to make payments as scheduled. However, if you need post-operative care or a touch-up procedure, you will need to find a surgeon in your new location who can provide that care.