Today's healthcare environment has become more confusing and complex. Understanding your health insurance and vision benefit is not as easy as it once was. Our practice has provided this information to untangle and clarify many misconceptions about third-party care and your vision.

Today's healthcare environment has become more confusing and complex. Understanding your health insurance and vision benefit is not as easy as it once was. Our practice has provided this information to untangle and clarify many misconceptions about third-party care and your vision.

Today''s healthcare environment has become more confusing and complex. Understanding your health insurance and vision benefit is not as easy as it once was. Our practice has provided this information to untangle and clarify many misconceptions about third-party care and your vision.

Insurance Basics

Dr. Seger Family Vision Care participates in both the Vision Service Plan (VSP) and Medicare Program (see details below). If your insurance is not through either of these providers, we will be happy to provide you with all necessary forms and documentation for you to submit to your carrier for reimbursement.

It is important for all patients to understand a fundamental principle of the third party mechanism. Unless your provider (doctor or health care facility) specifically takes assignment of benefits, the patient is ultimately responsible for any non-covered services and their charges. The insurance relationship is between the patient and the insurance company not between the patient and the provider.

There are two distinct and important elements to every visit to our practice. First, the most important aspect of your visit today is to insure quality of life by providing you with a comprehensive, thorough medical examination of your visual system. Many eye diseases that affect your vision have little or no symptoms until the problem has become sight-threatening. Routine eye health examinations are critical to prevent debilitating eye disease. Secondly, each comprehensive medical eye exam will include a vision component to analyze and prescribe, if necessary, eyewear or contact lenses to correct your vision.

It may be necessary for your doctor to perform additional special testing to insure the overall systemic health of your eyes. Some of this additional testing may not be covered as part of your vision benefit. Payment for these additional special tests is the financial responsibility of each patient.

The following is a summary of the VSP and Medicare programs. We hope this information will be helpful to all patients in choosing proper eyewear, contact lenses and eye care for themselves and their families. Please feel free to ask our Insurance Benefit Coordinator if you have any questions about your specific vision insurance or medical coverage during your visit today.

VSP

The Vision Service Plan (VSP) - In most cases, VSP will fully cover your eye health and vision exam. In some cases there may be a co-pay on the part of each patient. The co-pay must be paid at the time of service. The eyewear component of the Vision Service Plan contributes or subsidizes the purchase of your eyewear. Each specific Vision Service Plan subsidizes eyewear purchases at different levels. The Vision Service Plan is not an entitlement plan and patients are free to choose any frame or lens option recommended by their doctor. Our professional optical staff will be happy to determine if any out-of-pocket costs will be incurred by the patient.

MEDICARE

Our practice fully participates in the Medicare program. We do not accept assignment of benefits on behalf of each eligible patient. The eye-health examination is a fully covered service under the Medicare program. However, as mandated by Federal law, the refraction part of the vision section of your exam is a non-covered service. Each Medicare patient will be charged for the refraction at the time of service during your visit. There is no longer an eyewear benefit under the Medicare program unless the eyewear need immediately follows cataract surgery. The purchase of frames, lenses, lens options and coatings is the responsibility of each Medicare patient.

Dr. Seger Family Vision Care offers a 10% discount to senior citizens beginning at age 65. In accordance with our Medicare contract, this does not apply to any Medicare-covered service.

We hope this information will give you a better idea of the vision benefit you are using today. Our insurance coordinator is available to answer any questions.

Thank you for your understanding and patience.