Insurance, Financing & Forms

Financing Eye Care and Eye Surgery Cost

CEC Financial Policy

At Cavanaugh Eye Center, we believe clear, natural vision should be accessible to as many people as possible. We work with insurance companies when we can, and we partner with CareCredit to provide low monthly payment options that fit nearly any budget. You can also opt to use FSA or HSA flex-spending accounts, both of which use pre-tax dollars.

With today’s rising cost of health care, we are making every effort to keep fee increases to a minimum. Similar to any business, we can only keep the doors open and pay our staff if we receive timely payment for our services. In order to do this, we need your help in fulfilling your financial obligations. In an attempt to provide full fee disclosure and notification of our policies, please review the statement of our Financial Policy listed below, as well as available options for financing your cataract or laser eye surgery cost.

We require 24 hour notice of rescheduled/cancelled appointments to avoid a fee.

IF YOU HAVE HEALTH INSURANCE COVERAGE…

Please supply us with a current copy of your insurance card.
Please notify us of any changes in your address or telephone number.
All copays are due at the time of service.
All non-covered services such as refractions (new prescription for glasses) will be due at the time of service.
All referrals are the responsibility of the member/patient and must be current prior to your visit.
Your estimated portion, including any deductibles, co-insurance or non-covered service will be expected to be paid at least five days prior to your surgery date (our business office will notify you in advance if this is required).
Patient balances are due 30 days after the insurance notifies our office of patient responsibility.
Patient will be responsible for any fees associated with enforcement of collection action.

IF YOU DO NOT HAVE HEALTH INSURANCE…

Payment in full is required at the time of service.
As a courtesy, we will gladly assist you by filing your claim with your insurance carrier. If you receive a statement from our office after insurance has paid or denied, the balance then becomes your responsibility to pay. If you disagree with the balance for any reason please contact our business office at 913-897-9200.

NO SURPRISES ACT

You may have the right to receive a “Good Faith Estimate” explaining how much your medical care will cost.

Under the law, health care providers need to give patients who do not have insurance or who are not using insurance an estimate of the bill for medical items and services. If you do not have insurance or are not using insurance:

  • You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services. This includes related costs like medical tests, prescription drugs, equipment, and hospital fees.
  • Make sure your health care provider gives you a Good Faith Estimate in writing at least 1 business day before your medical service or item. You can also ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule an item or service.
  • If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.
  • Make sure to save a copy or picture of your Good Faith Estimate. For questions or more information about your right to a Good Faith Estimate, visit www.cms.gov/nosurprises or call 1.800.633.4227.

 

YOUR RIGHTS AND PROTECTIONS AGAINST SURPRISE MEDICAL BILLS

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Forms of Payment

original contact clip image002 1Cavanaugh Eye Center accepts Cash, Check, Visa, MasterCard, Discover, and American Express.

Payment is required prior to time of surgery. Insurance rarely covers partial or full refractive eye surgery cost, but a letter from carrier certifying full coverage for refractive surgery will be accepted in lieu of prepayment with the exception of co-insurance and deductible amounts. The patient is responsible for any balance not paid by insurance.

Flexible Spending Accounts

Many employers offer flexible spending accounts (also called a flexible benefits program) to help offset medical expenses, including eye surgery cost. With a flexible spending account, you can use pre-tax dollars to pay for medical procedures, including LASIK. This can save you up to 50%. Check with your benefits manager at work to find out if your company offers flexible spending accounts.

Cavanaugh Eye Center would like to remind you that you can SAVE MONEY on vision correction procedures, like LASIK, PRK, or the Staar Visian ICL by utilizing your CAFETERIA PLAN (Flexible Spending Account) offered by your company through your benefit plan. Yes – these procedures, which correct nearsightedness, farsightedness, and astigmatism, and reduce dependence on glasses and contact lenses, are eligible healthcare expenses for Section 125 pre-tax dollar Flexible Spending Accounts. Since most insurance companies do not include vision correction procedures like LASIK or the Visian ICL as covered benefits, use of your Cafeteria Plan is often the only benefit you have to reduce your out-of-pocket expense for this life-changing procedure. As the end of the year approaches, you should be aware that if you have unused money set aside in your Cafeteria Plan, you will forfeit that unused money at year end. There is no rollover of these funds.

Financing Options

As a service to our patients, we are pleased to offer the CareCredit card, the nation’s leading patient payment program. With CareCredit you can finance your eye care and eye surgery cost. There are no up-front costs, no annual fees, and no pre-payment penalties. You can begin your treatment today and conveniently pay with low, monthly payments.

CareCredit offers a full range of payment plans so you can find one that works best for you. With the popular ‘Deferred Interest’ plans there are no interest charges if you pay your balance in full within the specified time period. CareCredit offers 12, 18, or 24-month plan options with low monthly payments available.

CareCredit can be used by the whole family for ongoing treatment without having to reapply. And by using CareCredit for your eye care or eye surgery cost, you can save your other credit cards for household or unplanned expenses. It only takes a few minutes to apply for CareCredit and you’ll receive an online decision in seconds! Apply Now or see our staff for more details.

Please contact us at 913-387-9200 today to schedule your complimentary screening and find out if you are a candidate for vision correction.

Financing Eye Care and Eye Surgery Cost FAQs

Do I have to pay my co-payment at the time of registration?
You are required to pay your co-pay at the time of service. You will be billed for your deductibles, co-insurance and any non-covered services after we receive notification from your insurance company.

How do I know if my insurance company will cover my visits or eye surgery cost?
Coverage varies with each insurance company. Generally, we do not know whether a particular service will be covered. Medically necessary and appropriate services may not always be covered by your insurance contract. Please refer to your insurance member handbook, check with your employer or call your insurance company with questions.

When will I receive a bill?
If you verified your insurance information when you registered, you will not receive a bill until: your insurance company has denied the claim; your insurance company has paid the claim, leaving a co-insurance, deductible or non-covered service; your insurance company has not responded to the claim.

How does my referring eye care provider get paid for their co-management fees?
If you have a referring eye care provider that is interested in co-managing your refractive laser surgery, they will be paid by you, through us at the day of your surgery. Co-management is included in the price of your procedure and does not cost you any extra.

Who can I talk to with questions about my bill or eye surgery cost?
If you should have specific questions about your financial situation or your account, please do not hesitate to call our Billing Department at 913.897-9200. They are available to assist you in finding the answers to your financial and billing questions.

Patient Forms

To access our patient forms please connect to our patient portal by clicking here.