Insurance and Payment Options at Redding Eyecare Center
Your medical insurance can be used to help pay for the diagnosis and treatment of eye disease. It is subject to the same co-pays and deductibles as when you go to another doctor. We will help you in the billing of your medical insurance.
Medical insurance does not pay for exams unless there is a medical reason for the examination. They do not pay for glasses or contact lenses with the exception of rare, specific medical conditions such as keratoconus or aphakia. Even then, most require a prior authorization.
Medicare does help pay for the cost of your first pair of glasses following cataract surgery.
We are providers for Medicare, Blue Shield, Blue Cross and Cigna. If we are not a provider for your medical insurance, you can still use it and receive reimbursement using your out-of-network benefits. We try to be a provider for all insurances that provide fair reimbursement that covers our cost of providing care.
Vision insurance is designed to pay for a basic vision exam and help with the cost of glasses and/or contact lenses. It generally does not help pay for treatment of eye disease with only a few exceptions with Vision Service Plan (VSP). You generally will have a co-pay and/or a deductible for each visit and for your glasses or contact lenses.
We are providers for Vision Service Plan (VSP,) Medical Eye Services (MES,) and some EyeMed plans. If you are covered by a plan that we are not providers for, you may still be able to use your out-of-network benefits. The reason we are not a provider for all vision insurance plans is that some plans do not reimburse enough to cover our cost of providing care.
Flexible Payment Options
Redding Eyecare Center and Dr. Young offer a variety of flexible payment options, including virtually all insurance, cash, check, Visa, Mastercard, Discover and healthcare financing through CareCredit. To apply for credit, go to www.CareCredit.Com eye care
What if Dr. Young is outside my insurance carrier’s network?
Dr. Young’s office is well-versed in out-of-network insurance matters and will happily assist you in gathering any information necessary to help you become comfortable visiting us.
Your carrier will most likely allow you to see a provider outside its network. Furthermore, insurance carriers will most likely pay a significant portion of the cost of care. A possible exception to this is if you chose to enroll in an “exclusive provider organization” (EPO) rather than the more common and traditional “preferred provider” (PPO) plan. Dr. Young recommends that you call your carrier to check on this, and we can help you make the inquiry.
Some employers give employees the option of a “preferred provider” (PPO) plan vs. an “exclusive provider” (EPO) plan. If you opted for an EPO plan, you may want to consider switching to the PPO plan option.
Do you accept my insurance?
We accept payment from all insurance carriers. If insurance contract terms are reasonable, we are pleased to be on the provider panel. Where insurance carrier reimbursement rates are unreasonable–less than our cost of doing business– we still work with the carrier as an “out-of-network” provider. Please contact our office directly with your insurance information so we can determine for you whether we are in or out of your network. We do everything possible to keep our cost of doing business low.
Why aren’t you listed as a provider on my insurance plan?
We contract with all insurance carriers whose “in-network” contract rates reimburse at a rate commensurate with our cost of doing business. We do everything reasonably possible to keep our cost of doing business low. We are happy to be an “in-network” provider when reimbursement rates cover our cost of being in business. We are “out-of-network” for those carriers whose “in-network” reimbursement rates fall below our cost of doing business.