INSURANCE & PAYMENT INFORMATION
For both adults and children alike, eye exams are an important part of one’s general health maintenance and assessment. Your eyes should be checked regularly to ensure that you are able to see as best as possible.
We accept Medicare, PPO, HMO, vision plans, and have cash payment options. Our insurance coordinators deal with many insurance companies and we are happy to answer questions and assist you in any way possible. However, we cannot guide you in your choice of insurance coverage.
Because many employers frequently change insurance policies, it is sometimes difficult to accurately estimate a patient’s insurance coverage and co-payment. Many insurance companies cannot guarantee coverage for a visit until after the visit is completed. As a courtesy, we ask that you keep us informed of any change in your insurance. It is important that all information is current.
All co-payments are payable when you check in at the front desk. We also do collect co-payments for all post-operative appointments.
Vision plans typically cover routine annual exams, including exams for glasses and contacts. Typically, medical problem with the eye beyond a need for glasses are covered not by vision plans but by medical plans, such as HMO, PPO, and Medicare plans.
We accept VSP, MES, Eyemed and Spectera vision plans for routine eye exams, glasses or contact lenses.
We participate with Arch Health Partners, Sharp Community Medical Group, Inland North and Scripps Health, Escondido. Patients,
Please contact your primary care physician for referral to any specialist, including our office. Obtaining a medical referral is a patient’s responsibility. We cannot obtain a referral for your first visit. If you do not have a referral, we will be happy to see you on a cash basis, but your medical insurance company will not pay for your visit or treatment.
We will request authorization for all follow up visits and tests, as needed related to your first referred visit to our office.
As a courtesy we bill your secondary insurance for any deductible and co-insurance. If you have no secondary insurance, you are responsible for any deductible and co-insurance. If Medicare denies your office visit or procedure, you are responsible for the charges. We do bill your secondary insurance as a courtesy.
Non-Insured or Out of Network Patients
We understand that not everyone has insurance and healthcare can be very expensive. We offer fair cash price options for those patients who do not have insurance for initial and follow up appointments.
Private & Group Insurance
As a courtesy, we will file your insurance claims for you. Upon receipt of an insurance payment, any balance due will be billed to you. If you have any questions, please ask our staff. They are well informed and up-to-date on all matters of Insurances that we contract with.
The following list contains many of the medical insurance companies we participate in. Please note that this is not a complete listing:
|Advanced Benefit Solution||Healthscope Benefits Inc.||Sharp Community Medical Group|
|Aetna||Horizon Healthcare||Sharp Direct Contracts|
|Aftra Health Fund||I.C.W. Group||Sharp Health Advantage|
|Aig||Ilwu-Pma Coastwise Indem.||Sharp Health Plan|
|Allied||Insurance Center||Shasta Admin. Services|
|Ama Insurance||Iron Workers Local||Shasta Administrative Ser|
|Ameriben||Laborers Health and Welfare Fund||Sheet Metal Workers|
|American National||Liberty Mutual||Sheriffs Medical Service|
|Anthem Blue Cross||Loomis Benefits West||Southern Ca Physician|
|Applied Risk Services||Mail Handlers Benefit||Southern California Bakery Drivers|
|Apwu Health Plan||Medi-Cal||Southern California Pipe Trades|
|Arch Health Partners||Medical Eye Services||Southwest Administrators|
|Assurant Health||Mediplus/the Hartford||Southwest Carpenters Ins.|
|Bankers Life||Mega Life & Health Ins Co||Specialty Risk Service|
|Beech Street||MERITAIN HEALTH||Spectera Claims Dept.|
|Ben-E-Elect||Midwest National Life||Standard Life|
|Blue Shield||Motion Picture Health Pla||Standard Life Insurance|
|Brms||Mutual Of Omaha||Star Hrg|
|Ca. Field Ironworkers||Mvp Health Care||Starmark|
|CCN||Nalc||State Farm Health Insurance|
|Cigna||Nassco||Strategic Resource Co|
|Colonial Penn||New York Life Insurance||Superior Administrators|
|Conseco Health Ins. Co.||Ngs American, Inc.||Superior Vision Services|
|Continental General Ins||Operating Engineers||Teamsters & Food Empolyer|
|Coresource||Oxford Health Plans||The Empire Plan|
|Coventry Health Care||Pacificare||The Plan Handlers|
|Covered California Health Plans||Physicians Mutual||Tig|
|Csa||Pinnacle Claims Mgmt, Inc||Tpa|
|Design Benefits Admins.||Pioneer Life||Transwestern Insurance|
|Directors Guild Of Ameri.||Plummers Local Union||Travelers Insurance|
|Ebms||Primecare Med. Group Tem.||Tri Star Claims|
|Employee Benefit Admin.||Principal Life Ins. Co.||Tricare For Life|
|Esis||Railroad Medicare||Tristar Risk Management|
|Eyecare America||Rural Carrier Benefit||Ufcw Bay Area Health|
|Eyemed, The Eye Care Plan||S.D. County Laborers Plan||Ufcw Unions & Food Bene.|
|Farmers Insurance||S.D. County Schools/jpa||UMR/AMA|
|First Health||S.D. County Teamsters||Unicare|
|Food Employers & Bakery||S.D. Electrical Health||Union Labor Life Ins Co|
|Fra Insurance Plans||S.D. Phys Med Group||Unisys Benefits|
|Ge Health||S.D. Schools Fringe Bene.||United American Insurance|
|Geha||S.D.& Imperial Co. School||United Commercial Travelers|
|Ghi||Sag-Producers Health Plan||United Healtcare M/c Pffs|
|Graybill Commercial Health Plans||Samba||United Health Care|
|Great West||Scan Health Insurance||United Teachers Assoc|
|Guardian||Schaller Anderson||Universal Care|
|Hanover Ins.||Scripps Escondido||Us Behavioral Health Plan|
|Harrington Benefit Service||Scripps Secure Horizons||Usaa Life Insurance Co|
|Hartford Life & Accident||Secure Horizons||VSP|
|Health Design Plus||Secure Horizons Direct||Washington National Ins.|
|Health Scope Benefit||Security Life Insurance||Web-Tpa|
|Health Systems Int’L||Sedgewick||Wellcare|
|Healthchoice||Select Benefit||Western Growers Assur Tr.|
|Healthcomp||Select Staffing||World Insurance Company|
|Healthfirst||Senior Service Med Plan||Writers’ Guild Health|