Insurances we accept at this time include:

•    Blue Cross Blue Shield of Louisiana
•    Humana
•    Aetna
•    United HealthCare
•    EyeMed
•    VSP
•    Always Care/Starmount
•    Superior Vision
•    Medicare

Insurance Plans

Understanding your health insurance and vision benefit is more trying than ever. Our practice has provided this information to help assist you in understanding third party eye care and your vision benefits. It is important for all patients to understand a fundamental principle of the third party approach to health care.

Unless your provider (doctor or health care facility) specifically takes assignment of benefits, the patient is ultimately responsible for any non-covered services and their charges. The insurance agreement or contract is between the patient and the insurance company not between the patient and the provider.

Many common vision insurance programs only cover the vision part of the overall eye health examination. There are two distinct and important elements to every visit to Granger Eye Studio.

First, and most importantly, we want to provide you with a comprehensive, thorough medical examination of your visual system. Many eye diseases that affect your vision have little or no symptoms until the problem is sight-threatening. Routine eye health examinations are critical to prevent permanent eye disease.

Secondly, each comprehensive medical eye exam will include a vision component to refract and prescribe, if necessary, eyewear or contact lenses to correct your vision. Additional special testing by your doctor may also be necessary to insure the overall systemic health of your eyes. Some of this additional testing may not be covered by your vision benefit. Payment for these additional special tests is the financial responsibility of each patient.

Below is a summary of the major vision insurance programs. Hopefully, this information will be helpful to all patients in choosing proper eyewear, contact lenses and eye care for themselves and their families. Please feel free to ask our Insurance Benefit Coordinator if you have any questions about your specific vision insurance or medical coverage during your visit today.

Vision Plans

In most cases, VSP/EyeMed/AlwaysCare etc. will fully cover your eye health and vision exam. In some cases there may be a co-pay on the part of each patient. The co-pay must be paid at the time of service. The eyewear component of the vision plan contributes to the purchase of your eyewear. Each specific vision plan contract contributes to eyewear purchases at different levels depending on your plan. For example, VSP patients are free to choose any frame or lens option recommended by their doctor. Our professional optical staff will be happy to determine if any out-of-pocket costs will be incurred by the patient.

MEDICARE

Our practice fully participates in the Medicare program. We accept assignment of benefits on behalf of each eligible patient. The eye health examination is a fully covered service under the Medicare program. However, as mandated by Federal law, the refraction part of the vision section of your exam is a non-covered service. Each Medicare patient will be charged the usual and customary fee for the refraction. This charge must be paid for at the time of service during your visit. The purchase of frames, lenses, lens options and coatings is the responsibility of each Medicare patient.

This will give you a better idea of the vision benefit you are using today. Our insurance coordinator, Anita, is available to answer any questions. Due to the large number of different Vision Insurance Benefit Programs, it is impossible to know the specific details and reimbursement policies of each. If our doctors do not participate in your Vision Benefit Program, we will be happy to provide you all the necessary forms and documentation for you to submit to the carrier for reimbursement.

Thank you for your understanding and patience.

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