Insurance & Financing
Have questions about coverage?
Our team is here to help—call us at
(201) 666-4014or any insurance and financing related questions.
We Participate With Most Major Commercial Insurances
Horizon BCBS of NJ
United Healthcare
Aetna/First Health
Cigna
Medicare*
EmblemHealth
Multiplan
Humana Medicare
Braven Health
Clover
Cigna Healthspring
UPMC
Aetna
Humana Military / Tricare East
US Family Health Plan
Railroad Medicare
Law Enforcement Health Benefits
Financial Options for LASIK & Premium Cataract Lenses
Navigating your insurance benefits can be complex, especially when it comes to advanced procedures designed to enhance your vision and lifestyle. Our team is here to help you understand your coverage and explore all available options.
Procedures such as LASIK, PRK, EVO ICL, and RLE are generally considered elective by most medical insurance plans and are not a covered benefit. However, we believe financial considerations should not be a barrier to accessing this life-changing technology. To make the investment in your vision more manageable, we are pleased to offer flexible payment plans through CareCredit medical financing.
Additionally, we encourage you to explore other options. The cost may be a qualified, tax-deductible medical expense, subject to IRS thresholds for medical expense deductions. You can often use pre-tax funds from a Flexible Spending Account (FSA) or Health Savings Account (HSA) to pay for your procedure. It is also worth checking with your specific vision plan, as some offer a partial benefit or reduced rate, though these benefits vary significantly by provider and plan type.
For details regarding your plan or tax situation, please consult your benefits administrator or financial advisor. Please note that HSA/FSA eligibility rules and tax regulations can change, so individual verification is always recommended.
Cosmetic treatments designed to enhance your appearance, such as Botox, dermal fillers, and blepharoplasty (eyelid surgery) performed for aesthetic reasons, are typically considered elective by most insurance plans. As these procedures are generally not medically necessary, they are usually not a covered benefit, and you are responsible for the full cost of the treatment. Coverage may vary by specific plan and provider, so we recommend checking with your insurance carrier for details about your particular benefits.
We believe that everyone deserves to feel confident in their appearance, and we offer several ways to make achieving your goals more accessible. For a flexible way to pay over time, we are pleased to partner with CareCredit medical financing. CareCredit is a popular option that allows you to move forward with your procedure now and pay for it with manageable monthly payments that fit your budget.
Regarding tax-advantaged accounts, it's important to note that procedures performed for purely cosmetic purposes are generally not eligible for payment with a Health Savings Account (HSA) or Flexible Spending Account (FSA). However, if a procedure like blepharoplasty is deemed medically necessary by a physician (for instance, to correct obstructed vision), a portion of the cost may be eligible for reimbursement. Medical necessity determinations require proper physician documentation and pre-approval processes may apply. We strongly advise you to consult with your benefits administrator and tax advisor to verify the specific rules of your plan and current IRS guidelines before using these funds.
Please note that insurance coverage policies and HSA/FSA eligibility rules can change, so individual verification is always recommended.
While standard cataract surgery is medically necessary and covered by insurance, you have the option to choose advanced technology lenses that also correct conditions like astigmatism (Toric lenses) or significantly reduce your need for glasses after surgery (Multifocal, EDOF, and Light Adjustable Lenses). These options are considered a premium service.
Your medical insurance will cover the cost of the cataract removal itself, but you are responsible for the out-of-pocket expense for the upgraded lens technology. To make this investment in your vision straightforward and accessible, we offer several solutions. Many patients use pre-tax funds from a Health Savings Account (HSA) or Flexible Spending Account (FSA) to cover the cost. Additionally, for those who prefer manageable monthly payments, we offer flexible payment plans through CareCredit medical financing.Your medical insurance will cover the cost of the cataract removal itself, but you are responsible for the out-of-pocket expense for the upgraded lens technology. To make this investment in your vision straightforward and accessible, we offer several solutions. Many patients use pre-tax funds from a Health Savings Account (HSA) or Flexible Spending Account (FSA) to cover the cost. Additionally, for those who prefer manageable monthly payments, we offer flexible payment plans through CareCredit medical financing.
