Quick answer: Savings ready and want zero obligation? Pay cash. Prefer to start seeing clearly today while protecting your cash flow? LASIK MD's 0% interest financing costs exactly the same but allows you to spread the payments over time.

What does LASIK cost at LASIK MD?

All-inclusive pricing covers your consultations, surgery, and follow-up visits with no hidden fees.

• Standard LASIK: from $490 / eye
• Advanced Custom LASIK: from $600 / eye

For perspective: glasses and contacts cost the average Canadian roughly $500–$800 per year. Over a decade, that is $5,000–$8,000+. Most patients recoup their full LASIK investment within 3–5 years, which makes this a one-time expense with a measurable, long-term return.

ROI snapshot: 10 years of contacts = $5,000–$8,000. One LASIK procedure for both eyes = $980–$1,200 (one-time payment)

Option 1: Paying cash

Pay in full on the day of your procedure. Simple, final, and the lowest possible total cost.

Advantages

• Zero interest for the absolute lowest total cost
• No credit application; no impact on your credit score
• Transaction fully closed after surgery with nothing left to pay
• Eligible for Health Spending Account (HSA) or Flexible Spending Account (FSA) reimbursement
• May qualify as a Canadian medical expense tax credit on your T1 return

Trade-offs

• Requires liquid savings
• Reduces funds available for other investments

Best for: Patients with savings on hand who want a single, closed transaction with no ongoing payments.

Option 2: Financing LASIK

LASIK MD partners with leading Canadian lenders to offer flexible plans that eliminate the upfront barrier entirely.

How it works

• Apply online for a fast decision and minimal paperwork
• 0% promotional interest plans available (on approved credit)
• Terms from 12 to 84 months
• Payments as low as $25–$50 / month (depending on your plan)
• No penalty for early repayment

Advantages

• See clearly now without waiting to build up savings
• Preserves your emergency fund and financial flexibility
• Predictable monthly payments, easy to budget
• On a 0% promotional plan: identical total cost to paying cash

Trade-offs

• Standard interest applies if the balance is not cleared before the 0% window closes, so be sure to set up automatic payments
• Requires credit approval; best rates subject to qualification

Best for: Patients who want results now, prefer to keep cash accessible, or find a monthly payment easier to manage than a full upfront cost.

At a glance: cash vs. financing

*0% interest requires full repayment within the promotional window (OAC). Standard rates apply to any remaining balance thereafter.

Key insight: A 0% financing plan and a cash payment produce the exact same total cost. The only difference is timing — choose whichever preserves your financial position.

Stretch your dollar: HSA, FSA, and employer benefits

Check these before committing to any payment method because they can substantially reduce your real out-of-pocket cost.

• Health Spending Account (HSA): many employer plans cover elective vision correction, so be sure to confirm with HR
• Flexible Spending Account (FSA): pre-tax dollars that lower your effective cost
• Group benefits: some plans partially reimburse laser vision correction
• Canadian medical expense tax credit: LASIK often qualifies on your T1 return

You can combine payment options, such as using HSA funds upfront and financing the rest at 0% interest. A LASIK MD coordinator can help you find the most cost-effective option during your free consultation.

Which option is right for you?

1. Do you have the full amount in liquid savings (excluding emergency funds)?

Yes → pay cash. Zero interest, fully done.     
No → finance at 0%; same total cost, savings intact.

2. Would an upfront cost payment create short-term financial stress?

Yes → 0% financing. You pay the same amount; the difference is timing and peace of mind.

3. Do you have HSA, FSA, or employer benefits to deploy?

Use them first because they reduce your actual cost regardless of payment method.

4. What does waiting actually cost you?

Contacts and glasses can cost $40–$70 a month. Financing LASIK now may help you eliminate those recurring costs sooner, making it a smarter long-term choice.

Are you a LASIK candidate?

Confirm you qualify before comparing payment options. Ideal candidates at LASIK MD are typically:

• 18 or older with a stable prescription for at least one year
• Free from active eye conditions such as keratoconus or uncontrolled dry eye
• In possession of sufficient corneal thickness for safe treatment
• Holding realistic expectations about results

Unsure if you qualify? LASIK MD's free consultation includes a comprehensive eye assessment at no cost and with no commitment.

LASIK MD by the numbers: 2 million+ procedures performed. 35+ clinics nationwide. Board-certified surgeons. Lifetime Enhancement Guarantee on every procedure.

Frequently asked questions