Insurance Policy
PLEASE REVIEW OUR INSURANCE POLICY
BY ACCESSING OR USING SWAN VISION’S SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO OUR INSURANCE POLICY. THIS POLICY OUTLINES THE TYPES OF INSURANCE WE ACCEPT, YOUR RESPONSIBILITIES AS A PATIENT, AND THE FINANCIAL OBLIGATIONS THAT MAY ARISE FROM THE USE OF OUR SERVICES.
SWAN VISION WORKS WITH A VARIETY OF INSURANCE PROVIDERS TO OFFER COVERAGE FOR OUR SERVICES. HOWEVER, INSURANCE COVERAGE VARIES BY PLAN AND PROVIDER. IT IS YOUR RESPONSIBILITY TO VERIFY YOUR INSURANCE COVERAGE AND ANY ASSOCIATED COSTS OR COPAYMENTS PRIOR TO YOUR APPOINTMENT. FAILURE TO PROVIDE ACCURATE INSURANCE INFORMATION MAY RESULT IN PERSONAL RESPONSIBILITY FOR THE FULL COST OF SERVICES RENDERED.IF YOU HAVE ANY QUESTIONS REGARDING COVERAGE OR PAYMENT RESPONSIBILITIES, PLEASE CONTACT OUR OFFICE BEFORE YOUR VISIT. FOR MORE INFORMATION, REFER TO OUR FULL INSURANCE POLICY DOCUMENT.
1. Accepted Insurance Plans
We accept a variety of insurance plans to help cover the cost of our services. Swan Vision may be an in-network or out-of-network provider depending on your insurance plan. It is essential that you verify with your insurance carrier whether we are considered in-network or out-of-network, as this can affect your out-of-pocket costs. We accept most major insurance plans, but not all services may be covered.
2. Patient Responsibilities
It is the responsibility of the patient or the patient’s guardian to provide accurate and complete insurance information at the time of service. Patients should inform Swan Vision of any changes in their insurance coverage promptly. Failure to do so may result in the patient being held responsible for the full cost of services rendered.
3. Verification of Coverage and Benefits
Swan Vision will make reasonable efforts to verify your insurance coverage and benefits prior to your visit. However, it is your responsibility to confirm whether your insurance plan covers the specific services you are seeking. Please be aware that benefits quoted by your insurance provider are not a guarantee of payment.
If services provided by Swan Vision are not covered or are only partially covered by your insurance plan, you will be responsible for the remaining balance.
4. Copayments and Deductibles
Copayments, coinsurance, and deductibles are determined by your insurance plan. Copayments are due at the time of service. Patients are also responsible for meeting any deductibles or coinsurance obligations as specified by their insurance plan. If you are unsure of your copayment or deductible amount, please contact your insurance company before your appointment.
5. Claims Processing
Swan Vision will submit claims to your insurance company on your behalf. Once your insurance company processes the claim, you will receive an Explanation of Benefits (EOB) outlining the coverage details. If there is a remaining balance after your insurance has made payment, you will receive a bill from Swan Vision.
In some cases, insurance companies may deny a claim or only cover a portion of the services provided. Should this occur, it is your responsibility to resolve any disputes directly with your insurance company. If a claim is denied or not covered, you are responsible for paying the outstanding amount.
6. Self-Pay and Out-of-Network Patients
For patients without insurance or those whose insurance plans are not accepted at Swan Vision, we offer self-pay options. Patients are expected to pay in full at the time of service unless other arrangements have been made in advance.
If we are considered out-of-network with your insurance plan, you may still choose to receive services at Swan Vision. However, please be aware that out-of-network services may involve higher out-of-pocket expenses. We will provide you with a superbill that you can submit to your insurance company for reimbursement, depending on your plan’s benefits.
7. Pre-Authorization Requirements
Some insurance plans require pre-authorization or referrals for specific services or procedures. It is your responsibility to obtain any necessary pre-authorizations or referrals before your visit. Failure to do so may result in a denial of coverage, in which case you would be responsible for the full cost of the services.
8. Financial Assistance
Swan Vision understands that financial hardships can impact access to necessary eye care services. If you have financial concerns, please contact our office before your visit to discuss potential payment plans or other options that may be available.
9. Billing and Payment Policy
If you receive a bill from Swan Vision, prompt payment is expected. We accept a variety of payment methods, including credit cards, debit cards, and checks. If you are unable to pay your balance in full, please contact our billing office to discuss possible payment arrangements.
Unpaid balances over 90 days old may be subject to collection actions, which could include additional fees. We encourage all patients to communicate with our billing department if they have concerns about their financial responsibilities.
10. Questions and Disputes
If you have questions about your bill, insurance coverage, or any financial matters related to your visit, please contact us. We are committed to transparency and will work with you to ensure that you understand your insurance benefits and financial responsibilities.
11. Changes to Insurance Policy
Swan Vision reserves the right to modify this Insurance Policy at any time. Any changes to this policy will be communicated via our website or through direct communication with our patients.
9. Contact Information
If you have any questions or concerns about our Insurance Policy, please contact us at:
-
Phone: (860) 785 - 8176
-
Address: 38 Town Line Rd Ste 3, Rocky Hill, CT 06067
By using this Site, you acknowledge that you have read, understood, and agree to the Insurance Policy.
This version provides a thorough and legally sound of our Insurance Policy section, covering all critical areas of concern for users and businesses. Let me know if you’d like further revisions or additional clauses!