Insurance Lesson 101
Once upon a time, people went to the doctor and paid for services as they left the office. Then insurance companies were formed and patients paid their premiums to them and expected the insurance company to pay the doctor. Now, insurance companies still expect you to pay premiums to them and also pay the doctor for whatever they do not pay for. The following information is to help you under our current insurance and billing policies.
Your insurance policy is a contract between you and your insurance company. We have contracts with many insurance carriers to provide services for an agreed upon fee schedule to their beneficiaries. We will submit claims for covered services you have received to your insurance carrier if you have given us all of the required information needed to do so. Please be aware that your insurance carrier may determine that some, and perhaps all, of the services provided may be “ NON-COVERED” services. However, you are still responsible for payment of these services. If your vision plan is unknown during the time of service, you are expected to pay the exam in full, and you will have 30 days to provide us with insurance information.
You are responsible for payment of the office visit, deductible, co-pays, coinsurance, or non-covered services. Payment for co-payment amounts are due at the time of service. If you are unable to pay your copay or any other patient responsibility charges on the day of the service, a $15.00 administrative fee will be added to your account to cover the extra costs associated with generating and sending a bill out to you. For patients without insurance, payment is expected in full at the time of service.
We accept Cash, Check, Visa, Mastercard, American Express, Discover, Care Credit, and Flex Spending cards. In the event that a check is returned unpaid from your bank, your account will be charged $35.00 returned check fee. If you have any questions regarding our payment policies, please contact our office manager at (302) 737-5777.
Blue Cross Blue Shield
Cigna & Cigna NALC High Benefit Plan
(Cigna Health Springs Excluded)
Highmark of Delaware
(Health Options & Diamond State Excluded, i.e MEDICAID)
(Community Plan and Medicare Excluded)