Vision insurance claim question

Discussion in 'Eye-Care' started by tapsen7, Nov 22, 2006.

  1. tapsen7

    tapsen7 Guest

    I had a question about a vision insurance claim problem. Here's the
    story -

    I found this doctor (Doctor A) listed under my in-netowrk provider,
    under my vision insurance plan. Made an appointment for an eye
    examination. The exam is covered-in-full for the in-network provider
    (per the benefits documentation). Went there. Unfortunately, did not
    have my id card. But my provider (OptiChoice) had told me the new name
    - DavisVision (they will be merging into this new company) as the
    company name. So I told the front-desk receptionist this name. She
    did a search using my SSN, but did not find me under this company.

    I decided to pay for the exam beforehand, knowing that I can get a
    claim afterwards. I was seen by a Doctor B, in that office. Paid

    Called my insurance company to get the details on getting my claim.
    They called the doctor's office for more details. There the
    receptionist told the company that Doctor B was not in the network,
    hence I'd just be re-imbursed $32 (out-of-network).

    So my question - is this ethical. My eye prescription had Doctor A &
    Doctor B's name on it. I went there knowing that this office is in the
    network. But then I got this surprise that this Doctor B is not. What
    are my options to get this rectified. Welcome any suggestions.

    tapsen7, Nov 22, 2006
  2. A written notification to the insurance company would be appropriate
    as well. If this was merely an accident, then it probably rarely
    happens. If this is an intentional method to upcharge people with
    insurance plans that pay poorly, then your insurance company would
    want to know that their beneficiaries are being poorly treated.

    It sounds to me like an honest mistake due, in part, to you not having
    your insurance card with you. Give your doctors the benefit of the
    doubt, and notify them of the problem. Give them the opportunity to be

    Consider some alternative methods of reimbursement too. Perhaps a
    certificate for next year's exam or money off contacts, sunglasses,
    etc. I'm sure they want to keep your business, and this may be a good
    way for both of you to come out ahead.

    Glenn Hagele
    Executive Director
    Patient Advocacy Surgeon Certification

    "Consider and Choose With Confidence"

    Email to glenn dot hagele at usaeyes dot org

    I am not a doctor.

    Copyright 2006
    All Rights Reserved
    Glenn -, Nov 23, 2006
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