Barbara, you are lucky with your 1k additional cost. When I had my eyes done in the summer of 2006, it cost me $5,400.00 out of pocket! And what is more, I would not choose to go that way again!
What happened? Well, I had each eye done, six weeks apart, and no difficulty whatsoever. I bless the doctor for that.
But prior to the surgery, and after all the little rooms visited for amazing tests, she sat down with me and explained the choice we all know about who have been through this: do you want me to implant a lens for reading and you will only have to wear glasses for long distance, to drive, etc., or do you want me to put in a long distance lens and you will require reading glasses? OR, we have a new bifocal lens, but Medicare has not yet approved that, so you would have to pay. That lens will give you both the long distance AND the reading, and you will no longer need glasses.
So I went home and did the arithmetic (how many pairs of glasses I would need over the next 10 or possibly even 20 years, plus the nuisance, and so forth) and decided to pay up. I called her office and told them to set me up with the bifocal lens, and yes, I was prepared to pay the $2,700.00 for each right up front. Which I did.
Imagine my ire then, when after both eyes had been finished and healed and I was able to put the drops away, and I went to see my regular opthalmologist to check me out, and he did so and told me it all looked great and handed me a new prescription for glasses!
I said something lame like: WHAT?!? And he said, yes, you will need these as you have a bit of Astigmatism. And I said WHY? Did the surgery do that to me? And he said no. And I said: But I've never HAD Astigmatism. And he said, yes you have; you've always had it. And then I spluttered and explained the Big Layout of moola and that I was to be without glasses for the rest of my days, and he said something like Sorry for the mixup. And it was too late for my checkbook!
In all fairness, I have thrived with the cataract surgery and the implanted lens. No side effects. Only once have I been back to have one lens peeled. And I do not mind wearing my wonderful glasses, a pair I just love. The thing is, I am out a lot of money and will continue to have the expense of changing prescriptions for the remainder of my days, and THAT burns me up!
I write all this out as a warning for those who have not yet walked the plank of cataract surgery. Ask every question you can think of Before you pay out additional money over and above what your insurance covers!