Your eye doctor may have information about companies that provide credit cards specifically for medical expenses. CareCredit and Alphaeon Credit are two. Alphaeon has a special focus on eye and vision procedures. CareCredit covers a wider range of health-related expenses and can even be used at pharmacies like Walgreens for certain purchases.
For both cards, you can learn if you pre-qualify by completing an on-line application from home. The initial credit inquiry is simple and will not impact your credit score. By pre-qualifying, you can calculate payment options before committing to a new line of credit. The Alphaeon card is set up to cover the cost of a specific treatment or procedure, while CareCredit can be used more like an affinity credit card for a broad range of medical or vision expenses.
If you are contemplating a procedure or lenses that may not be reimbursed by your insurance, or if you anticipate a significant co-pay, have a frank discussion with your doctor’s billing or office manager. Ask if the practice works with a company that offers credit plans specifically for medical treatments. This may be a solution to fit unexpected or expensive vision care into your budget. To learn more, and see if you prequalify, visit goalphaeon.com or carecredit.com.