Vision Care Coverage

Learn how Healthcare Spending Card1, through Lane Health can help you manage the out-of-pocket costs associated with vision correction procedures, especially given common insurance limitations. Many plans impose yearly coverage limits and often exclude crucial vision correction services, leading to significant financial burdens. Through Lane Health, you can access 0% financing options2, use pre-tax HSA dollars, and select flexible repayment terms, all with no annual fees2.

Empower yourself to manage vision care effectively—apply for your Healthcare Spending Card today!

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Navigating Vision Care
Woman receiving vision care

Obtaining quality vision correction care is essential, yet many insurance plans don’t cover popular corrective procedures like LASIK or Ortho-K lenses due to being deemed elective. Additionally, insurance rarely covers non-prescription eyewear, cosmetic eye treatments, or specialty lenses for specific sports or occupational needs. Healthcare Spending Card1, through Lane Health is here to help bridge these gaps, making vision care manageable with flexible payment options, tax advantages, and no annual fees2.

Understanding Vision Care Coverage Limitations

  • Coverage Limits and Gaps:
  • Many insurance plans place restrictions on vision correction, only covering basic eye exams and prescription glasses. Most vision correction procedures, such as LASIK, are excluded, as are medical treatments for eye diseases like glaucoma or macular degeneration. Specialty lenses and non-prescription eyewear are also commonly excluded, resulting in additional out-of-pocket costs for patients seeking these services.
  • The Cost of Vision Care:
  • The out-of-pocket cost for vision correction can be significant. Procedures like LASIK range from $2,000 to $3,000 per eye, while Ortho-K lenses typically cost $1,500 to $4,000. Deferred treatments are common due to these high costs, leading individuals to rely on glasses or contacts when they may benefit more from corrective procedures. The Lane Health card offers a way to manage these costs and prioritize your vision health.
Woman getting glasses from her vision care
Simplify Your Fertility Treatment Costs

0% Financing Options2

Manage your costs without the burden of interest2.

Pay with Pre-Tax Dollars

Use your HSA funds to cover Acupuncture treatments, saving you money on every visit.

Flexible Repayment Periods

Choose repayment options that work for you, with terms of 1, 4, or 12 months.

No Annual Fee2

Access all the benefits without worrying about hidden costs or fees.

Real People, Real Stories

Quotation Marks

A real game changer

Lane Health and their Health Spending Card have been a life saver for my family, enabling a relative to get the care he needed without delay and avoiding his condition to worsen. The fact that he could do it without getting into huge debt with high interest rates was a real game changer.

Quotation Marks

Stress-Free Healthcare Payments

I’ve been using the HSC card from Lane Health for a few months, and it’s been great! Easy to signup, easy to use, and the clear terms make managing healthcare expenses stress-free. The pay-in-12 feature is a lifesaver and it pulls funds automatically from my HSA, which adds to the convenience. Customer service is quick and helpful whenever I had questions. Overall, the HSC card has made handling medical bills much easier. Highly recommend!

Quotation Marks

Game Changer in healthcare

I wasn't sure I needed another card, but the ability to manage and pay my healthcare bills in one place is a game changer. I can literally swipe and forget because I set up auto pay when I signed up. Now I pay my bills with the card and Lane Health pulls my monthly payments from my HSA account on my due date - it allows me to pay with pre-tax dollars even before I've saved them. Love this product!

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A financial game changer for me!

I love the zero percent financing because it lets me budget for it and repay it over several months without crazy interest rates I'd have to pay if I used other credit cards. Not doing that anymore!

Lane Health Healthcare Spending Card
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Healthcare Expenses Covered This Year

$ 701,722

Your Fertility Coverage Questions Answered
Why aren’t vision correction procedures covered by insurance?

Vision correction procedures like LASIK and Ortho-K are often considered elective, so they’re not deemed medically necessary by most insurance providers.

Can I use my HSA to pay for vision correction?

Yes! With the Healthcare Spending Card1, you can use your HSA funds to cover eligible vision correction expenses.

What if I can’t pay off the balance in one month?

Through Lane Health there are flexible repayment terms—choose from 1, 4, or 12 months to fit your budget.

Does the card have any hidden fees?

No, the Healthcare Spending Card1 has no annual fee and no hidden costs.

More Questions?

Take Control of Your Vision Care

The Healthcare Spending Card1, through Lane Health empowers you to access vision correction care when you need it. By offering 0% financing2, flexible payment terms, and the ability to pay with pre-tax dollars, we can help make it easier to manage the cost of your care. Don’t let financial concerns delay your vision correction journey—start today!

Subject to credit line approval.
1 Lane Health is a financial technology company, not a bank. The Healthcare Spending Card is issued by Lead Bank pursuant to a license from Visa USA Inc.
2 Lane Health does not charge interest on, or an annual fee for, the Healthcare Spending Card. “0% financing” pertains to repayment options that do not charge interest (0% interest) nor fees ($0 fees). Each Advance can be repaid in full, 4-month term or 12-month term (with a minimum $3 due each payment period). Transactions other than qualified hospital expenses (based on merchant category code) will be charged an origination fee of 5% and periodic finance fees. The location of the service provider is not determinative of whether a transaction is a qualified hospital expense. Rather, transactions made within or at a hospital (including but not limited to specialists, doctors, pharmacies, etcetera) are determined to be eligible by the associated MCC and not the location of the service provider in the hospital. New Advances, if eligible, can be repaid in full or over 4 installments with no origination or periodic finance fees. Late fees apply. You can review the fee table at https://lanehealth.com/hsc-lb-fees