Financial/Insurance Information

Insurance and Billing

Miller Eye Center participates in most insurance plans. We are happy to bill your services to any plan with which we have a contract. Please be sure to bring all relevant information regarding your insurance so that we can process your claim. Prior to your appointment, we recommend checking with your insurance carrier to determine if Miller Eye Center participates in your plan.

Patients who do not currently carry insurance or are covered through a plan other than those that Miller Eye Center is contracted with will be required to make a full payment at the time of service. One of our receptionists will gladly provide you with the necessary paperwork for you to submit a claim to your insurance carrier.

Our Insurance Network

Advantra Freedom Medicare Advantage
Aetna Medicare C Plans
Aetna Medicare Multiplan
Allied Healthcare Northern Illinois Health Plans
Blue Cross Blue Shield OSF Health Plans
Cigna Personal Care
Cigna Medicare PHCS
Coast to Coast Vision Physician Care Network
Commercial Insurance Networks Preferred Plan
Davis Vision QTC
EyeMed Railroad Medicare
First Health Sterling Health
Health Alliance Sterling Options
Health Market Care Assured Tricare
HFN Unicare
Humana United Healthcare
Medicare VSP

If you do not see your insurance carrier listed, please call 815-316-3705 as our network continues to grow.


Some insurance plan guidelines require a referral when seeing a specialist. If your plan requires this, please be sure to have a valid referral prior to coming for your appointment. If you do not have a valid referral at the time of your appointment, it may be necessary to reschedule.

Cosmetic and Noncovered Services

Charges for noncovered services are due at the time of service. This includes refraction charges and any cosmetic procedures. Please note, most insurance companies consider contact lenses to be cosmetic and therefore typically will not cover them.


Here at Miller Eye Center, financial considerations should not be an obstacle in obtaining the eye care you deserve. Most large charges can be placed on payment plans through CareCredit healthcare credit card. Our goal is to make healthcare affordable for any budget. It is for this reason that we make our cataract and premium lens procedures affordable, by offering a combination of expertise, experience, and advanced technology at a price everyone can afford.

You may choose any of the following payment options:

  • Cash or check
  • Credit card
  • Monthly payment plan by qualifying for CareCredit

Our monthly payment plans offer:

  • Zero down payment and zero interest for 12, 18, or 24 months
  • Zero down payment & low monthly payments with a fixed interest rate for plans longer than 2 years
  • Zero prepayment penalty