At In Focus Eyecare, our goal is to promote good eye health and enable you to have the clearest vision possible. We accept several types of vision insurance, cash, checks, and most credit cards (this includes FSA and HSA). If you require a breakdown of costs, please let us know.
Vision and Medical Insurance
Let's face it, insurance can be confusing. The knowledgeable staff at In Focus Eyecare is experienced in working with vision and medical insurance providers with which we are contracted. Understanding your insurance PRIOR to any service can help you avoid confusion and frustration. When we are provided with this information in advance of your appointment we will work directly with you and your insurer to obtain authorization for service and then submit claims regarding your eye care when we are contracted with your insurer. We strive to ensure that you understand your insurance coverage and will do our best to answer any questions you may have regarding your benefits. Many current vision plans are designed to cover most of the basic vision-related costs, but not all costs associated with eye care. Most plans require a co-payment for an office appointment. All copays or payments for services are due on the day the services are performed. Please contact your insurance company to make sure Andrea P. Neff, O.D. and In Focus Eyecare are considered in-network by your insurance before you make your appointment. If we are not considered in-network, you will be responsible for a large portion or all of the cost of your visit. If you are not able to get us your insurance information (company, member id, primary's name and date of birth), we will be happy to provide you with an itemized invoice at check-out that will allow you to submit the claim for your reimbursement to your insurance company. Some insurance companies do a better job of educating their clients than others. At times insurance companies' "Customer Service" departments overstate benefits (and minimize or even ignore specific limits and restrictions) that can create an adversarial relationship between the patient and the doctor's office. We would like to avoid these misconceptions. We hope that the following will help you better understand how vision coverage works.
Differences between Vision and Medical Insurances
• Vision insurance typically covers a basic eye health assessment and prescription for glasses annually. Many plans help to pay for contact lens fitting and contact lenses or glasses. Co-pays and amounts of coverage vary greatly from plan to plan. This kind of plan does not cover assessment, testing, and care for medical conditions. Regardless of your vision insurance, most plans do not cover 100% of expenses, thus you should expect some out-of-pocket costs. All co-pays are due at the time services are rendered per your contract with your insurance AND our contract with your insurance. At least half of the patient's cost of any materials ordered (glasses or contacts) must be paid before these items can be ordered.
• Medical insurance coverage should be used when the doctor is assessing a medical condition that can affect your eyes such as diabetes, hypertension, glaucoma, macular degeneration, use of high risk medication, etc. It is also used when you have a medical eye problem or emergency like cataracts, dry eyes, allergies, or infection. Medical co-pays and deductibles apply in these cases. A few medical insurance plans will cover annual vision exams and possibly materials. In Focus Eyecare will not submit claims for materials to medical insurance. Medical concerns take priority and as such will be treated first or concurrently with vision problems. Sometimes a medical condition needs to be treated and corrected before vision can be accurately evaluated. You are responsible for the cost of the refraction if your insurance is medical only.
The rules and procedures for how and when to use your insurance are created by your insurance company. Dr. Neff provides the care necessary based on your vision and eye health needs. There is no way to know before an exam whether a patient's blurry vision is due to simply to a need for glasses or if it's caused by a medical condition like cataracts or dry eyes.
Although our staff members are very knowledgeable about insurance plans, remember that it is not the doctor's or staff's responsibility to know all the details of your individual plan. Your insurance is a contract between you, your employer and the insurance company, not with the doctor. If you have questions regarding how your specific plan details will apply to your upcoming visit, we will do everything we can to help you better understand it.
Contact your insurance provider to find out if we are considered in-network for your insurance company before you make your appointment.
Flexible Spending Accounts
Many employers are offering Flexible Spending Account (FSA) options to employees. Sometimes these are referred to as cafeteria plans and are elective, supplemental insurance savings plans. These plans are designed to let you save money in an account, pre-tax, to pay for additional medical expenses such as eye exams, glasses, contacts, and often laser vision surgery. Check with the benefits administrator at your work to see if you are eligible for this program. FSAs can typically be used in conjunction with any vision insurance plan to offset any out-of-pocket costs on your behalf.
Other Payment Options
Our Fort Mill optometry staff understands that cost is a concern when evaluating vision care providers. We do not want cost to be an obstacle to maintaining proper eye health and good vision. We accept various forms of payment and are able to discuss financing options with you prior to any examination. At In Focus Eyecare, we also accept cash, check, and major credit cards. Call 803-802-6522 today with any questions or to schedule your eye exam today.