Fees and Insurance

We participate with many Medical Insurance Plans as well as various Vision Plans.  Our billing staff would be happy to answer any of your questions concerning insurance at 419-422-6190.

Why didn't my insurance pay for my exam?

There are two types of insurance that cover eye care.  Medical Insurance and Vision Insurance.  Spectrum Eye Care must bill the appropriate insurance as legally directed.

Medical Insurance - (Medicare/Medicaid, Medical Mutual, etc.)

This type of insurance provides benefits for the treatment of medical problems including medical eye problems.  To obtain coverage under medical insurance, a symptom or complaint indicative of eye disease, eye injury, or a chronic medical condition is the reason for your visit.  Although the examination that you receive may be the same or similar to previous visits, the reason for the exam and the doctor's diagnosis dictate how we must bill our patients.

Vision Insurance - (VSP, EyeMed etc)

This type of insurance covers routine vision care (i.e. regular eye exams for glasses and contacts) when no medical eye problem or related complaint specifically exists.

We are a provider for Vision Service Plan (VSP) -

Common Misconception #1:

I came in for my yearly eye exam - shouldn't it be billed to my vision insurance?  If you have a medical concern such as cataracts, blurry or dry eyes, or any Medical Diagnosis then your medical insurance must be billed.

Common Misconception # 2:

Why do I have a charge for a "refraction fee"?  A refraction is a test generally used to determine how well a person sees.  Refractions may be necessary for the physician to diagnose your eye condition.  If you have a medical problem, your visit must be billed to your medical insurance and you may still need a refraction.  Unfortunately, refractions are not covered by some insurance companies, such as Medicare, even if a patient has glaucoma, cataracts, etc.

Payment Policy:

Payments are due at time of service unless covered by insurance.  We expect and appreciate all insurance co-payments and deductibles to be paid at time of service.  It is NOT our intent to bill for co-payments and/or deductibles.

Insurance claims not paid by your insurance plan after 60 days are your responsibility.

We accept the following: