insurance
Important insurance terms you should know:
- Deductible - This is a fixed dollar amount you pay each coverage period (usually annually) before your health insurance policy begins paying its share.
- Co-payment - a fixed dollar amount you pay for each office visit, generally $20 to $30 dollars. Your copay may not apply to other services such as optical purchases and diagnostic procedures.
- Coinsurance - a percentage of the allowed amount you pay for office services. Coinsurance applies even after your deductible has been met.
- Network vs. Out-of-Network providers - there may be a different benefit level for in vs. out of network providers. If you use a provider out of your network, you may pay more for your health care visit.
- Charged amount/Allowed Amount - A healthcare provider charges their usual and customary fee for their services. This may be more than your insurance pays. Often, in-network providers will accept insurance payment as payment in full while out-of-network providers may demand payment in full for services rendered.
Participating Health Care Plans
If we are a contracting provider for your insurance plan, we will bill your insurance for you. Patient co-pays, co-insurance and deductibles are to be paid at the time of service. Please note that if there is an office visit co-pay it usually just applies to the office visit. Diagnostic testing and treatment are not routinely included with the office visit and are considered additional charges.
If we are a contracting provider for your insurance plan, we will bill your insurance for you. Patient co-pays, co-insurance and deductibles are to be paid at the time of service. Please note that if there is an office visit co-pay it usually just applies to the office visit. Diagnostic testing and treatment are not routinely included with the office visit and are considered additional charges.
Please check your insurance handbook or check with your insurance company before scheduling an appointment to determine if we are preferred providers for your insurance plan.
Some plans require you to obtain authorization for services from your primary care provider (internist, family practitioner, pediatrician, etc.). It is your responsibility to obtain this authorization from your primary care provider. This is required by your insurance before you visit our office. Failure to obtain a valid referral form will result in the patient being financially responsible for any charges incurred.
We accept nearly 100 different insurances carriers. An abbreviated list of some of the major carriers we currently accept are: Medicare, Medicaid, Blue Cross, Blue Shield, Aetna, VSP, Altius, Vision Care Direct, Primary Health, IPN, AARP, Cigna, Benesight, Tricare, Humana, Secure Horizons and Care Credit.
Non Participating Health Care Plans
If we are non-participating providers for your insurance plan, we will give you the necessary paperwork to submit yourself. You will be responsible for the balance at the time of service.
If we are non-participating providers for your insurance plan, we will give you the necessary paperwork to submit yourself. You will be responsible for the balance at the time of service.
We realize that you may have an insurance that we accepted previously but have now become non-participating. We apologize for any inconvenience you may experience due to this but thank you for your understanding.
Because of this we'd like to share our view of managed care with you. Some of our patients have stated, "I'd like to come to your office but my insurance company won't let me."
As the consumer, it is ultimately your healthcare provider is your choice. If we are not participate with your insurance plan, you may still use our services and products. You may incur some out of pocket expense, but you cannot be forced by your insurance company to select another eye care provider.
Please visit our main website www.mcneeleyecenter.com for more information regarding insurance