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Insurance and Payments

We accept most Vision and Medical Insurance Plans including those listed below.

  • Vision Service Plan
  • Vision Benefits of America
  • Davis
  • EyeMed/ECPA
  • Superior
  • Medicare (Exams Only)
  • Vision Care Direct
  • Presbyterian
  • Blue Cross Blue Shield
  • United Health Care
  • Molina Centennial
  • March Vision
  • Medicaid
  • Spectera
  • Aetna
  • Cigna
  • Vision Care Direct
  • all Centennial Plans

Don't see your vision or medical plan? Call us and we will be happy to verity if we are a vision provider under your specific plan.

Payment Options: We accept Visa, Mastercard, Checks and Cash. We also accept Care Credit.
All overages and payments will be due at the time of service.

More Vision Benefits Information

Today's health care environment has become more confusing and complex. Understanding your health insurance and vision benefit is not as easy as it once was. Our practice has provided this information to untangle and clarify many misconceptions about third party care and your vision.
It is important for all patients to understand a fundamental principle of the third party mechanism. Unless your provider (doctor or health care facility) specifically takes assignment of benefits, the patient is ultimately responsible for any non-covered services and their charges. The insurance relationship is between the patient and the insurance company not between the patient and the provider.

Many common vision insurance programs only cover the vision part of the overall eye health examination. There are two distinct and important elements to every visit to our practice. First, the most important aspect of your visit today is to insure quality of life by providing you with a comprehensive, thorough medical examination of your visual system. Many eye diseases that affect your vision have little or no symptoms until the problem has become sight-threatening. Routine eye health examinations are critical to prevent debilitating eye disease. Secondly, each comprehensive medical eye exam will include a vision component to analyze and prescribe, if necessary, eyewear or contact lenses to correct your vision.
It may be necessary for your doctor to perform additional special testing to insure the overall systemic health of your eyes. Some of this additional testing may not be covered as part of your vision benefit. Payment for these additional special tests is the financial responsibility of each patient.

The following is a summary of 3 the major Vision Insurance programs. Hopefully, this information will be helpful to all patients in choosing proper eyewear, contact lenses and eye care for themselves and their families. Please feel free to ask our Insurance Benefit Coordinator if you have any questions about your specific vision insurance or medical coverage during your visit today.

VISION INSURANCE

In most cases, vision insurance will fully cover your eye health and vision exam. In some cases there may be a co-pay on the part of each patient. The co-pay must be paid at the time of service. The eyewear component of the vision plan contributes or subsidizes the purchase of your eyewear. Each specific vision plan subsidizes eyewear purchases at different levels. The vision plan is not an entitlement plan and patients are free to choose any frame or lens option recommended by their doctor. Our professional optical staff will be happy to determine if any out-of-pocket costs will be incurred by the patient.

MEDICAL INSURANCE

In many instances, your eye health and vision exam will be covered by a medical insurance plan such as Lovelace and Presbyterian. All medically necessary exams and tests needed to treat and or diagnose an ocular medical condition are typically covered by medical insurance plans

MEDICARE

Our practice participates in the Medicare program. The eye health examination is a fully covered service under the Medicare program. However, as mandated by Federal law, the refraction part of the vision section of your exam is a non-covered service. Each Medicare patient will be charged $45 for the refraction. This charge must be paid for at the time of service during your visit. The purchase of frames, lenses, lens options and coatings is the responsibility of each Medicare patient.

Hopefully, this information will give you a better idea of the vision benefit you are using today. Our insurance coordinator is available to answer any questions. Due to the large number of different Vision Insurance Benefit Programs, it is impossible to know the specific details and reimbursement policies of each. If our doctors do not participate in your Vision Benefit Program, we will be happy to provide you all the necessary forms and documentation for you to submit to the carrier for reimbursement.

Thank you for your understanding and patience. If you need more information about whether we accept your plan, please give us a call.

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