Eye Care Insurance FAQs
Is a contact lens exam covered by my insurance?
Most insurance companies do not cover contact lens exams, and we collect this fee at the time of service. If your insurance company does cover contact lens exams, please bring written verification to your appointment and we will be happy to file your claim for you.
Co-Pays, Deductibles, and Non-Covered Charges
Our mission at Horizon Eye Care is to enhance, restore, and preserve vision. In order to provide quality eye care we must receive prompt payment for our services. Our policy is outlined in our Patient Consent and Agreement Form which all patients must sign.
When you check in at our office, we receive an instant report from your insurance company that tells us about your benefits and financial responsibility. When we find that you have not met your deductible or have co-insurance, we require payment at the time of service. It is Horizon Eye Care's policy to collect all co-pays at the time of service.
Many insurance companies deem either part or all of your routine eye exams as a "non-covered" service. The most common of these is the refraction. You are encouraged to call your plan and ask if they cover refraction services represented by procedure code 92015. When the insurance company deems a service as non-covered it means that you are responsible for the bill. To help our customers with this expense, we offer a prompt pay discount on refraction services.
By collecting these various charges at the time of service we eliminate the need to send you an invoice, which enables our practice to be more cost efficient for our patients. Should you overpay during your visit, we will promptly process a refund check.
Do you take my Insurance?
Horizon Eye Care participates in most medical insurance plans offered in Charlotte and North Carolina. These plans typically cover the evaluation and treatment of medical conditions involving the eye. It is always best to call your plan or check your plan website to verify in-network providers.
While some insurance companies provide routine eye care benefits as part of the basic medical plan and allow you to see any participating eye doctor, many employers choose a separate product for routine eye care. Routine eye care is defined as the benefit that allows you to get a routine eye exam along with a prescription for glasses. If you have a separate insurance company for your vision benefits, you typically choose a provider from a network of eye doctors. Not all vision plans issue a separate insurance card, so be sure to call your medical insurance carrier and ask if your routine vision benefits are administered by your medical plan or by another company. Keep in mind that if you have a medical condition with your eye, we can file the claim under your medical insurance coverage.
Horizon Eye Care is considered out-of-network for some routine eye care plans, but most of our physicians accept Vision Service Plan (VSP), most Eyemed Plans, Community Eye Care and the participating BCBS discount plans. Horizon Eye does not accept Advantica Vision, Davis Vision, Superior Vision or UHCVision. See this link for information on Medicaid eyeglass prescriptions.