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MEDICAL & VISION
INSURANCE
INSURANCES WE BILL
- AARP
- Aarp Medicare Advantage
- Aetna
- Blue Cross Blue Shield
- Cigna
- EyeMed
- First Choice Health
- Health Comp
- Health Partners
- HMA
- Kaiser Permanente
- Life Wise Health Plan of Washington
- Medicare
- Premera Blue Cross
- Regence
- Regence Group Administrators
- Spectera
- United Healthcare
- VSP
- Zenith American Solutions
Additional vision plans we are out-of-network with but can bill on your behalf:
- Blue View Vision
- Davis Vision
- Eye Med
- Superior Vision
How this works: When you select glasses or contact lenses in our office we will have a printout of your out-of-network benefits and will review this with you at the time of service. We will submit the out-of-network claim on your behalf.
You will pay Mill Creek Vision at the time of your visit and will be reimbursed by your insurance within 3 to 4 weeks.
When you schedule your appointment, we will verify all of your allowances in advance of your visit and if you, or Mill
Creek Vision, have any questions we will certainly be transparent with you about your plan
Vision vs Medical Insurance
UNDERSTAND THE DIFFERENCE
Vision Insurance
Vision insurance covers routine comprehensive eye examinations. This includes eye refraction (a measure of astigmatism, nearsightedness, or farsightedness) to determine your prescription for eyeglasses or contacts. Vision insurance may not cover the contact lens portion of a routine exam; check with your insurance provider to see if they offer discounts.
Comprehensive exams screen for certain medical conditions, including:
- Glaucoma
- Hypertensive Eye Diseases
- Macular Degeneration
- Retinal Holes & Tears
However, vision insurance generally does NOT cover further medical testing, treatment, or follow-up for these conditions. If a medical diagnosis is made, we are required to submit the examination to the medical, not vision, insurance.
If you wish to purchase glasses or contact lenses at your visit, please schedule a Comprehensive Eye Exam. Please note that most vision plans will not cover 100% of the costs of glasses or contacts, so expect some out-of-pocket costs.
Medical Insurance
Medical insurance pays toward eye care visits that are medical in nature. This includes emergency visits or visits
focused on a specific eye problem, including:
- Cataracts
- Glaucoma
- Corneal Disease
- Headache/Eye Pain
- Diabetic Complications
- Discharge/Redness
- Dry Eyes
- Eye Infections
- Retinal Holes & Tears
- Macular Degeneration
- Optic Nerve Disorders
- Hypertensive Eye Issues
Medical insurance may also pay toward a comprehensive examination if there is a medical reason for it (such as diabetes, cataracts, or any of the previously listed reasons). A comprehensive examination that is medical in nature does NOT include the refraction to determine your prescription for eyeglasses or contacts.
If you have both medical and vision insurance plans, our office will coordinate the benefits to minimize your
out-of-pocket costs.
If the purpose of your appointment is for a diagnosed eye-related medical condition or disease, then notify the appointment scheduler that you need a medical eye exam/office visit and we will expect to bill your medical insurance. If your medical insurance requires a referral please contact your Primary Care Physician/PCP to ensure one is sent to us before your appointment. We can attempt to initiate the PCP referral request on your behalf, but typically, your PCP will require your approval.
