Investment & Financing

Financing Options

Refractive surgery is a lifelong investment that pays for itself many times over — the average glasses and contact lens wearer spends $500–$1,000 per year on vision correction. Dr. Hu's practice offers transparent, all-inclusive pricing and flexible financing to make the investment accessible.

 
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— Payment Options

Flexible Ways to Invest in Your Vision

Interest-Free Financing

CareCredit

The most popular healthcare financing option in the U.S. — apply and receive approval in minutes directly from our office. No upfront cost, predictable monthly payments, and zero interest on promotional terms.

  • 0% APR promotional financing for 6, 12, 18, or 24 months

  • Quick online or in-office application — approval in minutes

  • No prepayment penalties — pay off early anytime

  • Can be used for both eyes and all follow-up care

  • Reusable credit line for future healthcare needs

All-Inclusive Pricing

What's Included

Dr. Hu's practice quotes a single, all-inclusive fee for each procedure — no surprise charges, no à la carte add-ons. You know exactly what you are investing before you commit.

  • All pre-operative diagnostic testing and consultations

  • The surgical procedure itself (both eyes if bilateral)

  • All post-operative visits through 3 months

  • Complimentary enhancement within the first year if needed

  • Post-operative medication kit

Tax-Advantaged Payment

HSA & FSA Funds

Refractive surgery — including LASIK, SMILE, PRK, ICL, and CLE — qualifies as a deductible medical expense under IRS guidelines. Using pre-tax dollars significantly reduces your effective cost.

  • HSA funds roll over year to year — ideal for planning ahead

  • FSA funds must be used within the plan year — schedule accordingly

  • Effective savings of 20–35% depending on your tax bracket

  • Can be combined with CareCredit for the remaining balance

Long-Term Value

The 20-Year Calculation

Glasses, contacts, solutions, and annual eye exams cost the average person $500–$1,000 per year. Over 20 years, that is $10,000–$20,000 — often exceeding the one-time cost of refractive surgery several times over.

  • Eliminate the recurring cost of glasses and contact lenses

  • No more daily lens care, solution purchases, or replacements

  • Improved quality of life — travel, sports, daily convenience

  • A single investment that appreciates in value every year

$0

Down payment Required

With CareCredit promotional financing —
begin treatment immediately.

0%

Interest Rate

Promotional APR on CareCredit plans up to 24 months.

35%

Effective Savings

Maximum tax-bracket savings when using HSA/FSA pre-tax funds.

20+

Years Value Horizon

A single investment that eliminates decades of recurring vision costs.

— Refractive Surgery

Take the First Step Toward
Unrivaled Clarity

Our patient-finance coordinator will walk you through every option — CareCredit, HSA/FSA, and custom payment arrangements — during your consultation.

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