VISION/MEDICAL INSURANCE
We are dedicated to getting you the most comprehensive vision and/or medical insurance coverage possible. Our skilled opticians will analyze your plan to make sure you are getting the most out of your benefits. Don’t hesitate to call our offices if you have questions about your plan and benefits.
We happily accept:
Aetna (Excluding Aetna Medicare Advantra Value HMO)
Amerihealth Administrators
Blue Cross / Blue Shield / Capital Blue
Carpenter’s Health & Welfare
Cigna (For Cigna Healthspring, Please Call Our Office To Confirm Eligibility)
Davis Vision (But Not If Your Medical Plan Is Through HealthPartners, Keystone 1st or Keystone Mercy)
Horizon Blue Shield of NJ (Please Call Our Office to Confirm Benefits)
Humana (Excluding Humana Gold HMO)
Law Enforcement Health Benefits (LEHB/FOP)
Temple Health (Please Call Our Office to Confirm Eligibility)
United Healthcare (Excluding UHC Community Plan)
Vision Benefits of America (VBA)
Vision Service Plan (VSP) / Eyefinity
We do NOT accept:
Aetna Medicare Advantra Value HMO
HealthPartners
Humana Gold HMO
Keystone First
Keystone Mercy
March Vision
NVA (National Vision Administrators)
Spectera
Tricare (Unless Used As A Secondary Insurance to Medicare)
United Healthcare Community Plan
UPMC
If you don’t see your plan listed, or if we don’t accept your plan, we will provide you with a detailed receipt and assist you in filling out reimbursement paperwork. Please call us with any questions.
Frequently Asked Questions
How do I know what is covered under my plan?
Most basic information can be found on your member website and at the 1-800 number on the back of your insurance card.
Can I choose any frame if I have insurance?
Most insurance plans allow you to choose your heart’s desire, but a few do limit your selection to certain brands. If you should find a frame that you simply cannot live without, we can usually find a way to make it happen.
How do I know when I am eligible?
The 1-800 number on the back of your card is your lifeline to members services.
What should I do with my insurance before I come in for my exam?
Call our office before your appointment to confirm if a claim form is necessary, and always bring your current insurance card with you.
Routine Vision Coverage
Some individuals are fortunate enough to have “Routine Vision Insurance” through their employer’s medical coverage policy. Some plans pay toward the optometric eye exam only, others will sometimes pay towards the contact fitting fee and some even pay toward materials. If you are uncertain about your benefit eligibility, you will need to check with your human resource department or call your insurance company directly and inquire about eligibility.
Questions you should ask:
Does my insurance plan provide optometric vision benefits and coverage?
Can I see the eye doctor of my choice?
What does my plan cover?
If your medical policy allows you to see any eye doctor of your choice we will verify your coverage, file the claim electronically and accept assignment of benefits for you.
To verify your vision coverage, we will need a phone number for verification of benefits, a group, plan or policy number, the social security number of the insured, member and patient’s date of birth, and name of employer. Verification of insurance benefits must be verified 24 hours prior to your appointment.
When you arrive for your appointment we will need a copy of your insurance plan policy card. You will be expected to pay in full the difference in the amount allowed at time of service. If for any reason the insurance company pays less than quoted you will be responsible for any amount unpaid.
Flexible Spending Accounts
Many employers are offering Flexible Spending Account (FSA) options to employees. Sometimes, these are referred to as cafeteria plans and are elective, supplemental insurance savings plans. These plans are designed to let you save money in an account, pre-tax, to pay for additional medical expenses such as eye exams, glasses, contacts, and often laser vision surgery. Check with the benefits administrator at your work to see if you are eligible for this program. FSAs can typically be used in conjunction with any vision insurance plan to offset any out-of-pocket costs on your behalf.
Other Payment Options
Our staff understands that cost is a concern when evaluating vision care providers. We do not want cost to be an obstacle to maintain proper eye health and good vision. At Modern Optometry, we accept various forms of payment including cash, check, and major credit cards. We are also able to discuss financing options with you prior to any examination. Contact us to schedule your next eye exam.
