Medical Eye Care
UnitedHealthcare
Understanding your medical insurance coverage, billing policies, and how we prioritize your emergency eye care.
UnitedHealthcare (UHC) is a Medical Insurance provider. It is billed when you come to our office for a medical eye condition—such as an eye infection, corneal scratch, sudden flashes/floaters, glaucoma, or severe dry eye. It is not billed for routine glasses exams (which usually fall under UHC's separate Vision Plan subsidiary, like Spectera, or other plans like VSP).
Your Eyes Cannot Wait for Paperwork
When you are experiencing an eye emergency, severe pain, or a vision-threatening condition, time is of the essence.
Medical insurance networks are incredibly complex. Often, insurance companies demand lengthy "Prior Authorizations" before they will approve a treatment, which can take days or weeks to process.
We will not delay your care. Your vision and health are our absolute priorities. Therefore, we proceed with immediate, necessary medical treatment on the day of your visit, regardless of pending insurance authorizations.
Our Medical Billing Protocol
Because we initiate emergency and medical treatments immediately to protect your eyes, we have established a straightforward financial policy to manage the complexities of medical insurance billing.
- Immediate Treatment: You receive the highest standard of care without administrative delays.
- Upfront Payment: We collect payment for the medical visit ahead of time.
- Claim Submission: We will then submit the claim to UnitedHealthcare on your behalf, or provide you with the documentation to do so yourself.
Transparency
Understanding Your UHC Coverage
Please review our financial policies regarding medical insurance claims.
Deductibles & Copays
We are required by contract to collect all specialized medical copays and unmet annual deductibles at the time of your visit. If your UnitedHealthcare plan requires a high deductible to be met before they cover specialist visits, we will collect that payment at the time of service.
Network & Denials
UnitedHealthcare has many sub-networks (HMO, PPO, Navigate, etc.). Sometimes, certain medical insurance plans do not officially enroll Optometrists in their medical networks, or they may arbitrarily deny coverage for certain diagnostic tests. Verification of coverage is not a guarantee of payment by the insurer.
The "Superbill" Option
If your specific UHC plan makes it difficult for our office to submit the claim directly, or if we are out-of-network for your specific medical sub-tier, we will collect the direct-pay fee upfront. We will then provide you with an Itemized Receipt (a "Superbill") containing all the necessary diagnostic and procedure codes. You can easily submit this directly to UnitedHealthcare for your own personal reimbursement.
Patient Responsibility
While our expert billing team will do everything possible to maximize your benefits and submit claims accurately, you are ultimately financially responsible for the services rendered. If UnitedHealthcare denies a claim, reverses a payment, or requires a deductible, the balance remains the responsibility of the patient.
Expert Care When You Need It Most
If you are experiencing an eye emergency, infection, or sudden vision change, contact us immediately. We will accommodate you and help you navigate your coverage.
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