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.
For non-emergency office visits, payment is expected at the time of service. Payment may be made with cash, check, Visa, or MasterCard.
Insurance Plans we Accept
Capital Health Plan (CHP) members receive special discounts – please call for more information.
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.
About Your Insurance
There are two types of benefits that may help pay for your eye care services and/or products. Our practice is a provider for most vision discount plans and medical insurance plans. You may be covered by either, both, or neither of these plans.
- Vision discount plans Vision discount plans (such as VSP, Humana Comp Benefits and EyeMed) - Vision discount plans typically cover routine vision exams and provide an allowance or discount toward the purchase of eyeglasses or contact lenses. Vision plans only cover a basic screening for eye disease. They do not cover diagnosis, management or treatment of eye diseases.
- Medical insurance (such as Blue Cross/Blue Shield a Medical insurance and Medicare) - Medical insurance must be used if you have any eye health problem or systemic health problem that has ocular complications. Your doctor will determine if these conditions apply to you, but some are determined by your case history.
If you have both types of benefits, it may be necessary for us to bill some services to one plan and other services to the other. We will use coordination of benefits to do this properly and to minimize your out-of-pocket expense. We will bill your insurance plan for services if we are a participating provider for that plan. We will try to obtain advanced authorization of your insurance benefits so we can tell you what is covered. If some fees are not paid by your plan, we will bill you for any unpaid deductibles, co-pays or non-covered services as allowed by the insurance contract.
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: