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Financial Policy

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Financial Policy

Dear Valued Patient:

After several months of negotiations, Hartford HealthCare was unable to reach an agreement on a new contract with Anthem BlueCross and BlueShield.

The contract negotiations between Anthem and Hartford HealthCare have no direct impact on the care you receive from us. As a private practice outside of Hartford HealthCare, we have our own contract with Anthem. Therefore, we are considered in Anthem’s network. This means that you will continue to pay in-network rates for services you receive here in our office.  However, due to these contract negotiations between Hartford HealthCare and Anthem, some surgical facilities providing surgical services are not covered by Anthem at this time.

If you have any questions about your coverage, please call the phone number on the back of your insurance card.

If you have questions about the negotiations between Hartford HealthCare and Anthem, please call 800.644.5905 or visit hartfordhealthcare.org/anthem.

Sincerely,

Consulting Ophthalmologists, PC

Financial Policy

Thank you for choosing Consulting Ophthalmologists, P.C. as your eye care provider. We are committed to building a successful physician-patient relationship with you. Your clear understanding of our Patient Financial Policy is important to our professional relationship. Your payment for services is a part of that relationship. Please ask if you have any questions about our fees, our policies, and your responsibilities. It is your responsibility to notify our office of any patient information changes (i.e. address, name, insurance information, etc.).

Insurance Claims

Please bring your insurance cards to every visit. In order to properly bill your insurance company we require that you provide accurate and current insurance information including primary and secondary insurance. Failure to provide complete insurance information may result in patient responsibility for the entire bill. Although we may estimate what your insurance company may pay, it is the insurance company that makes the final determination of your eligibility and benefits. If your insurance company is not contracted with us, you agree to pay any portion of the charges not covered by insurance, including but not limited to those charges above the usual and customary allowance. It is your responsibility to check with your insurance company to be sure we participate with your plan. If we do not participate with your plan, you will be responsible for full payment.

Vision Plans

We participate with some Vision Plans. Please check with your plan to see if we are members of your particular Vision Plan. If we do not participate, services are payable at the time of service.

Co-pays

All co-payments are due at the time of your visit. We accept cash, check or credit cards.

Patients with no Insurance

Self-pay accounts are for patients without insurance coverage, patients covered by insurance plans in which the office does not participate, or patients without any insurance card on file with us. Liability cases will also be considered self-pay accounts. We do not accept attorney letters or contingency payments. It is always the patient’s responsibility to know if our office is participating with their plan. If you come for an office visit and we do not participate with your insurance company, we assume you decided to see us as an out-of-network provider.

Routine vs. Medical Exam

A Routine Vision Exam is a screening exam which is performed as a “healthy” visit. It is most frequently requested by patients to determine the need for corrective lenses. Not all insurances cover screening exams or offer a “vision” benefit. It is your responsibility to know if you have this benefit and how often it may be available. You will be responsible for payment if your vision exam is not covered. A Medical Exam is billed to your medical insurance with the symptom or condition which was examined on the day of the visit.

Refraction

Refraction is the process of determining the eye’s need for glasses or contact lenses. This is often done by checking your ability to see an eye chart using corrective lenses. Refraction also provides us with important information about the function of your eyes and may alert us to any problems that are related to a decrease in visual acuity. Our Refraction fee is $35.00 and generally not covered by insurance, including Medicare. It is billed to the patient in addition to the exam charge and is payable at the time of service.

Financing

Care Credit is a financing option that is available for patient balances of $200 or more. If you are interested in using this option, please call the Billing Department.

Workers’ Compensation and Automobile Accidents

In the case of a workers’ compensation injury or automobile accident, you must obtain the claim number, phone number, contact person, and name and address of the insurance carrier prior to your visit. If this information is not provided, you will be asked to either reschedule your appointment or pay for your visit at the time of service.

Minors

The parent(s) or guardian(s) who accompanies the minor is responsible for full payment and will receive the billing statements.

Patient Information

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Do not use the above contact form or email address to submit confidential, sensitive, or privileged information. The information submitted on this form is not privileged. Any information submitted over the internet poses a risk that the information could be intercepted, viewed or retrieved by a third party. If you are unsure please contact us by phone as an alternative.
Farmington Office

499 Farmington Avenue, Suite 100
Farmington, CT 06032
Office Telephone: 860-678-0202

Glastonbury Office

704 Hebron Avenue, Suite 200
Glastonbury, CT 06033
Office Telephone: 860-678-0202