Fees and Insurance
A deductible is the amount that a patient must pay to a provider before benefits will be paid by the insurance company. Once the deductible has been met a patient no longer has any out of pocket medical expenses. For example, If someone has a medical plan with a $500 deductible, the patient must pay the first $500 in charges before the insurance company will pay out the rest of the benefit.
A copay is a portion of the exam fee, determined by a patient’s insurance coverage, as the patient’s responsibility and must be paid before the exam begins. Though a patient may pay a percentage of their salary for health benefits, this fee is required by the insurance company to be paid by the patient to the doctor, before any other benefits will be paid out. By law copays cannot be waived.
We pride ourselves on a high standard of vision and eye care for our patients. As a result, we are not able to accept all insurances. We have selected plans with similar perspectives on appropriate care; we currently participate in the following vision plans: Vision Service Plan (VSP) and UHC Community/March Vision. We accept most medical insurance plans including Traditional Medicare. The refraction portion of the exam, determining your lens prescription, is not covered by most medical insurance plans, so you will be charged for the refraction. If you do not have vision insurance, or do not have insurance that we participate with, you should not feel that an exam is not available to you. Our self pay fees for eye exams are very affordable and should not stand as a barrier to obtaining a quality eye health evaluation and eyeglass prescription. There are many busy optometric practices across the country that do not participate with any vision insurance or medical insurance plans for eye care. If your plan is one with which we do not participate, we will provide documentation needed to utilize your benefits on an out-of-network basis. If you have any questions about your insurance and our fee schedule, please call our office for more details.