At NJ Eye and Ear LASIK Center, we believe exceptional eye care should be accessible and transparent. We work with a wide range of insurance providers and are committed to helping you navigate your coverage. Whether you’re seeking a LASIK consultation or treatment for an ongoing condition, our team will guide you through the insurance and payment process.
Navigating Coverage for Refractive Consultations
Insurance benefits vary significantly depending on your provider and plan. While refractive surgeries like LASIK are typically not covered by insurance, the initial refractive consultation may be covered in some cases. It’s important to note:
- Refractive consultations are billed under your medical insurance, not vision insurance.
- If your insurance is not accepted or you do not have coverage, the self-pay fee is $150.
- Any co-payments or self-pay fees are non-refundable, even if you are not a candidate for refractive surgery. However, these fees will be deducted from the total cost of the LASIK procedure should you move forward with treatment.
Our staff will confirm your insurance eligibility before your appointment and walk you through any anticipated out-of-pocket costs. We aim to ensure that you have a complete and clear understanding of your financial costs, whether with or without coverage, ahead of time.
Insurances We Accept
NJ Eye and Ear LASIK Center is in-network with a wide range of providers. Below is a list of commonly accepted insurance plans. If you don’t see your carrier listed, please reach out to us. We may still be able to accommodate you.
Aetna Plans:
- Aetna Better Health
- Aetna Choice POS II
- Aetna Medicare Advantage (Local Medical PPO, HMO, PPO, MWC NJ
- AWCA)
- Aetna EPO CVS Health
- Aetna Signature Administrator
- Aetna OA EPO
- Aetna Meritain Health
- First Health (Aetna)
UnitedHealthcare:
- Commercial & Medicare
- Medicare AARP Complete
- Community & State (Medicaid)
- Dual Complete One (HMO SNP)
- NJ Family Care/LTC
- Empire NYSHIP
- Amerihealth (IPA)
- Oxford (Metro & Liberty)
- Amerigroup
- Blue Cross Blue Shield (Managed Care & PPO)
- Empire Blue Cross Blue Shield / Anthem
- Horizon NJ Health
- Horizon NJ Total Care (HMO D-SNP)
- Cigna (PPO & Open Access)
- Great West (Cigna)
- US Family Health Plan
- Multiplan (PHCS)
- Qualcare (PPO)
- Oscar
- WellCare
- Emblem Health GHI PPO
If your plan requires a referral or pre-authorization, our insurance team will work with you and your provider to ensure all necessary steps are completed before your visit.
What to Know Before Your Visit
To ensure a smooth experience, please have your insurance information ready before your appointment. If your insurance plan requires a referral from your primary care physician, it must be received before your visit to avoid incurring out-of-pocket charges. Our team is here to help confirm your requirements and assist in gathering any necessary documentation.
Maximizing Your Benefits
Medical insurance can be confusing, but you don’t have to do it alone. Our experienced staff will help you understand your coverage, explain your financial responsibility, and provide options to make your care more affordable. We also offer flexible financing solutions for patients whose insurance does not cover elective vision correction procedures.
For questions about your specific coverage, co-pays, or eligibility for benefits, please contact NJ Eye and Ear LASIK Center today. We’re here to make your path to a clearer vision as smooth, affordable, and accessible as possible.
