WE ARE CURRENTLY PROVIDERS FOR THE FOLLOWING INSURANCE:
- Aetna PPO - Aetna Medicare Advantage - Blue Cross Blue Shield PPO - BCBS Medicare Advantage - Cigna* (Dr. Field ONLY) - United Healthcare PPO - UHC Medicare Advantage - UMR - Wellmed - Medicare
- Spectera - VSP / Vision Service Plan (*AFFILIATE PROVIDER) - MetLife Vision (*AFFILIATE PROVIDER)
*Your benefits may be different through a Costco Affiliate Provider's office. Please check with our office BEFORE your appointment if you have any questions regarding your benefits with us.
NOTE: As of July 31, 2014 we are NO LONGER providers for Davis Vision As of June 29, 2013 we are NO LONGER providers for Superior Vision
Most vision plans provide out of network coverage and will reimburse you directly if you have a plan we are not a provider for. We are happy to prepare reimbursement paperwork for you at no charge, but you will need to contact your insurance company to be certain of your out of network benefits. For payment of services we accept cash as well as all Visa, Mastercard, Discover, and American Express credit and debit cards. We also accept FSA (Flexible Spending Account) and HSA (Health Savings Account) cards. Payment is due at the time of service. SORRY BUT WE ARE UNABLE TO ACCEPT ANY CHECKS.
We often have patients who have both a vision plan (e.g., VSP or Spectera) and medical insurance (e.g., Blue Cross or Medicare). They are very different in terms of the services they cover, and it's important for our patients to understand these differences.
Vision plans are designed to cover a yearly routine vision exam in a healthy patient that has no particular problems or symptoms and to help pay for glasses or contact lenses. It does not cover medical conditions, injuries, and/or treatments. Medical insurance is designed to cover a comprehensive medical eye exam when you have a medical problem, including one that affects your eyes. However, some medical insurances will cover routine examinations for vision problems such as nearsightedness, farsightedness, and astigmatism.
When a medical diagnosis or medical condition is present that affects your eyes, such as headaches, floaters, or diabetes, to name just a few, or if you have an eye disease or eye problem such as an infection (pink eye), dry eyes, allergy, or cataracts, again, just to name a few, we must file the claim with your medical insurance, and the co-pays and deductibles for that insurance will apply. Your vision plan does not cover these kinds of problems. Our office does not make these rules, they are made by the insurance companies themselves, and we must comply with them.
Sometimes there is no way to know prior to your examination which type of insurance will be the right one to file your claim with. This is based on the reason for your visit and the results of your examination. If we are on your insurance company's panel we will file those claims for you. In the event that we do not accept your medical insurance or vision plan, we will provide you with an itemized receipt so that you may file a claim for reimbursement with your insurance company yourself. If you have any questions, please let us know.