Insurance and Billing

Payment policy for office visits.
As a result of changes in health care, we no longer can extend credit to our patients. Instead, we had to change to a strict payment policy.

Payment in full of the "patient's portion" is expected at time of service. Patient's portion includes co-pays, unmet deductibles and office visits and services not covered by insurance. For your convenience, we accept cash, local personal checks, VISA and MasterCard.

If we participate with your insurance plan, you must pay the co-pay and unmet deductible at time of service. If we do not participate with your insurance, full payment for the office visit is expected at time of service.

Payment policy for contact lenses.
For newly fitted lenses a $100.00 deposit is due on the day of fitting. Thereafter, one third of the balance is due each month. Replacement lenses are payable in full at time of pick-up. Insurances are billed as a courtesy to you and for patient reimbursement only.

Payment policy for in-hospital surgery.
We accept the amount approved by your insurance as payment in full. If our charge is greater than the amount approved by your insurance, we will not ask you to pay the difference. You are responsible for any co-pay or unmet deductible mandated by your insurance.

Eligibility confirmation.
Confirm eligibility with your vision plan. It will prevent you from having to pay out-of-pocket for services that normally would be covered by your plan.

Referral and Authorization forms.
If your insurance requires that you obtain an authorization/referral form from your primary doctor, you must do so before coming in. We are not permitted to see you (except in some emergency situations) unless you have an authorization. If you decide to pay personally for the visit, please be aware that your insurance usually has the right to refuse to reimburse you later, and they usually exercise this right.

Insurance participation and billing.
Insurance coverage policies change constantly. Because your insurance coverage is a contract between you and the insurance company, the insurance company does not notify us of every change. Therefore, we often cannot determine if you are, or are not, covered for a specific visit or procedure. To avoid surprises, and out-of-pocket expenses, please make sure to know your coverage eligibility status.

If we participate with your insurance, we will submit the bill to the insurance. If we do not participate with your insurance, we will provide you with the necessary information for reimbursement.

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