Insurance & Payments

Insurance Image

We accept many vision insurances and most medical insurances.  We also accept payment from flexible spending accounts (FSA) and health savings accounts (HSA), Care Credit, cash, checks, and most credit cards. We do our best to inform our patients about exam and treatment costs at the beginning of your appointment based on the information provided by your insurance companies. Exams, treatments, and products may be subject to change throughout the course of the exam depending on the diagnosis and findings per our doctors. An itemized receipt of all charges will be provided.

Vision Insurance
The knowledgeable staff at Illinois Eye Associates is experienced in working with vision insurance providers. We will work directly with you and your vision insurer to submit claims securely and electronically. 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 most of the basic vision-related costs, but not all costs associated with eye care. Most plans often require a co-payment for an office visit and may involve additional costs that are the responsibility of  the insured patient. Illinois Eye Associates currently accepts Vision Service Plan (VSP), most EyeMed (EM) plans, Davis Vision (DV), and Humana Vision Care Plan (VCP) in addition to most union vision benefits.

Contact our offices or by email to find out if your insurance plan is accepted in our office or for more information about your vision coverage.

Medical Insurance
In some cases your exam will be covered by your medical insurance.  In some situations your vision and medical insurance plans may be coordinated to maximize your coverage and minimize your out of pocket expenses.  Our staff will take the time to explain how your insurance will be billed and any co-payments you may incur.

Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA)
Illinois Eye Associates accepts payments from a flexible spending account (FSA)*.  Some employers offer this option to employees. These plans may be 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.

*Most FSA policies do not roll over into the next calendar year and must be used by 12/31.
A health savings account (HSA) is basically the same as a flexible spending account with the exception that funds in an HSA do not expire and CAN be carried over year after year.

Other Payment Options
 At Illinois Eye Associates, we accept cash, check, Care Credit**, MasterCard, Visa, and Discover. Call today to schedule your eye exam.

Illinois Eye Associates offers 6 month interest free on any Care Credit purchases.  Apply today.

Care Credit Direct Link