At Gallup Eye Group, we are dedicated to improving your vision, so you have the clearest sight possible. We accept certain types of vision insurance, checks, cash and most credit cards. We educate our Gallup patients about treatment costs before you undergo any procedures. Please let us know if you require a breakdown of your treatment costs.
Insurance
The knowledgeable, friendly staff at Gallup Eye Group is experienced in working with vision insurance providers. We will work directly with you and your vision insurer to submit claims regarding your vision correction procedure. We strive to ensure that you understand your insurance coverage and will answer any questions you may have regarding your benefits. Many current vision plans are designed to cover many of the basic vision-related costs, but not all costs associated with eye care. Most plans often require a co-payment for an office appointment as well as additional costs that are covered by the insured patient.
Contact our office at (505) 339-2015 to find out if your insurance provider is accepted in our office or for more information about your vision coverage.
Medical Insurance
- Aetna
- AHCCCS
- BCBS Centennial Care
- BCBS NM
- Cigna
- GEHA
- Gilsbar
- Humana
- Medicare
- NM Medicaid
- Presbyterian Commercial & Medicare
- Presbyterian Centennial Care
- Tricare
- Triwest
- United Healthcare
- Western Sky Community Care
What is a medical eye exam?
A medical eye exam produces a diagnosis, like red eye, trauma, floaters, dry eye, glaucoma or cataracts, to mention a few. Depending on your policy, your medical insurance may cover a medical exam, but not pay for the exam if it is a routine eye exam. Examinations for medical eye care, assessment of an eye complaint or to follow up on an existing medical condition are billed to your medical insurance plan. Specialist copays may apply.
Refraction fees
A refraction is the part of an office visit that determines your eyeglass and/or contact lens prescription. It typically involves questions like, “which is clearer – option one or option two” as different lens combinations are shown to you. Vision insurance policies generally cover both the eye exam and the refraction. Medical insurance will not cover the cost of the refraction.
Vision Plans
Vision plans:
- Davis
- Eyemed
- VSP
Sometimes has vision benefits:
- Aetna
- AHCCCS
- Allied
- BCBS Centennial Care
- Cigna
- GEHA
- Gilsbar
- Humana
- NM Medicaid
- Presbyterian Centennial Care
- Tricare
- Triwest
- Western Sky Community Care
What is a routine eye exam?
A routine eye exam is defined by insurance companies as an office visit for the purpose of checking vision, screening for eye disease, and/or updating eyeglass or contact lens prescriptions. It will produce a final diagnosis relating to vision, like nearsightedness, farsightedness or astigmatism. There are normally annual limits on vision plan services.
Vision insurance plans provide coverage or discounts on routine exams, glasses and contact lenses. A routine eye exam is billed to your vision insurance plan. Exam and materials copays may apply. By law, Medicare does not pay for routine vision exams.
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 Gallup ophthalmology staff understands that cost is a concern when evaluating vision care providers. We do not want cost to be an obstacle to maintaining proper eye health and good vision. We accept various forms of payment and are able to discuss financing options with you prior to any procedure. At Gallup Eye Group, we also accept cash, check and major credit cards. Call (505) 339-2015 today to schedule an appointment.
More Info
We try to accept insurances that will best serve our community. If your insurance is not listed, please call to see if we are planning to accept your insurance soon, if we can help you file for out of network benefits, or if there are private pay options that may help.
We can often help you figure out which insurance/plan you have based on common employer/carrier combinations with which we are familiar.
Ultimately, the plan is a contract between you and your carrier. There are limitations to the information we can obtain and it is the responsibility of you, the insured, to understand your coverage. Having a card/number on hand or reaching out to your HR department for correct information prior to your appointment is always recommended.
Our friendly and knowledgeable staff can often answer questions and verify benefits over the phone, so please call with questions and we'll be happy to assist as much as permitted.