Insurance & Payments
The cost of routine eye exams and prescription eyewear can be of real concern, especially for large families. In many cases, vision insurance can lower these annual expenses.
A vision insurance policy is not the same as health insurance. Regular health insurance plans protect you against financial losses due to unexpected eye injuries or disease. Vision insurance, on the other hand, is a wellness benefit designed to provide routine eye care, prescription eyewear and other vision-related services at a reduced cost.
Medical Insurance vs. Vision Insurance
Understand the Difference Between Vision Insurance and Medical Insurance
One of the most challenging billing issues in an Optometrist office is whether we should be billing the medical or vision plan.
For Patients with BOTH medical and Vision Coverage
Your Vision insurance is intended to provide you with a baseline eye exam. If you are being evaluated for medical reason (corneal disorders, diabetes, cataracts, glaucoma suspect, double vision, etc) you are being provided with medical care. Typically your vision company does not provide coverage for medical care. Therefore, we will file a claim with your medical insurance for visits related to medical complaints and problems.
For Patients without Vision Coverage
If you are being seen for a routine eye exam and do not have vision coverage, your medical insurance will not pay for the exam. However, if you have a medical problem (corneal disorders, diabetes, cataracts, glaucoma suspect, double vision, etc) your visit is considered a medical problem and can be billed to your medical plan.
Please be aware that many medical plans are no longer paying for eye exams with a diagnosis of blurred vision or headache. They are considering this a rountine vision exam and are often not paying for the exam.
Our billers will determine the appropriate plan (medical or vision) to file your claim, based on the results of your exam.
When your visit is for a routine eye exam, we collect the total fee at the time of service unless we participate with your vision plan. If we are participating with your vision plan, we will follow your plan's guidelines and will collect applicable copays and/or co-insurance at the time of service.
Because we provide both medical and routine eye care, we accept a number of insurance plans to help cover the cost depending on your individual needs. Here are just some of the plans that we accept:
Medical Plans we Accept
Aetna, Blue Cross Blue Shield, Cigna, First Health, HealthSmart, Medicare, Secure Horizons, Tricare, United HealthCare, Humana, Health Scope, GEHA, Mail Handlers, Medicare, Cleat, Cap Rock, ARM, Ltd
Vision Plans we Accept
Vision Service Plan, March Vision, Humana Vision and Opticare
We do accept other plans as well, so if you do not see your plan listed here, please give us a call and we would be happy to assist you. Our staff is also always available to answer any questions regarding your benefits.
- Questions & Answers About Vision Insurance
Vision insurance is designed to provide routine eye care, prescription eyewear and other vision-related services at a reduced cost. Learn about types of plans, coverage and payment options.
- What's in Your Vision Insurance Plan
Make the most of your vision insurance plan by understanding your particular vision coverage.
- Care Credit
CareCredit for Treatment and CareIt's something you've always wanted to do, but something else was always there to hold you back. Well, not anymore. We offer CareCredit, a card designed specifically for your healthcare needs. CareCredit can help you move forward with getting the procedure you've always wanted. With minimum monthly payment options, no up-front costs and no prepayment penalties, you can get your procedure sooner.
Your healthcare credit cardCareCredit is the credit card exclusively for healthcare services. With monthly payments every time you use it, you can use your card over and over for follow-up appointments or different procedures. This means you don't have to put your health on hold until you save up enough money. We give you the power to decide when it's the right time for you.
With CareCredit, you can:
- Get the treatment or procedure you want, when you want it
- Enjoy minimum monthly payments
- Pay no up-front costs or pre-payment penalties
Apply now or to learn more about CareCredit, please contact our office