Insurance Benefits

Some general comments are in order. We are always happy to help you retrieve your insurance benefits as long as we have the member’s name (the person in your family who is employed and pays for the benefit or whose employer pays for it), the member and patient ID numbers, social security numbers and birthdates for member and patient, and copy of both sides of your card. Your insurance booklet from your human resources department will help us determine your deductible, copays, discounts, and covered/non-covered services and their allowed frequency of use.

Many insurance companies will cooperate fully in allowing us to download your benefits to assist you—but others will be less than cooperative and may purposely issue misleading information or not even have you registered unless you specifically inquire why you are not yet enrolled. While we are talented in interpreting these benefits for you to maximize your coverage, insurance companies have a lot of rules to make generating and paying a claim difficult. Bottom Line: They like collecting premiums, but do not like paying claims.

One insurance company may partner with another to develop or rent a panel of providers or just to credential providers or process claims. Sometimes a routine vision plan will partner with a major medical plan, but we may only be on one of the vision or major medical plans.

It is best to plan ahead for your visit by having us help you determine your coverage so there are no surprises. Many patients think they are not covered for any services but may be partially covered by their medical plan for conditions and diseases that have potential ophthalmic manifestations—like diabetes, hypertension, and dry eye. Let us help you maximize the benefits you have paid for; that goes for your flexible spending accounts, too. The next step is to make sure you properly claim your benefits, always within the context and following all of the standards, laws, rules, and ethics pertaining to your care.

List of Participating Insurance Companies

  • AARP
  • Advantra
  • Aetna
  • All Medicare secondary plans
  • American Medical Security
  • AO Safety
  • Assurant
  • Ball’s Price Chopper
  • Burlington Northern Santa Fe (BNSF)
  • Blue Cross Blue Shield (BCBS) Most plans
  • Carpenter’s Union
  • Central States
  • Cerner
  • Cigna
  • Children’s Mercy
  • CompBenefits
  • Construction Labor Union
  • Coresource
  • Coventry
  • Davis Vision
  • EyeMed
  • Flexible Spending Accounts (FSA)
  • First Guard Healthwave
  • First Health
  • Freedom Network
  • GEHA
  • Great West
  • Hallmark
  • Humana Vision Care
  • Kansas Medicaid
  • Mail Handlers
  • Medicare Part B
  • Multiplan
  • National Association of Letter Carriers
  • PHCS
  • Preferred Health Systems (PHS)
  • Preferred Health Professionals
  • Principal Financial Group
  • Railroad
  • Sprint
  • State of Kansas Workers
  • State of Kansas Medicaid
  • Surency
  • Teamsters Union
  • United Healthcare
  • Vision Service Plan (VSP)
  • Vision Care Plan (VCP)
  • Vision Care Plus (VCP)
  • Vision Care Direct (VCD)