Financial/Insurance Information

Home 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
ECOH	QVN
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.

Referrals

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.

Financing

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

What is CareCredit?
CareCredit is a healthcare credit card that makes care possible today – for purchases of all amounts. It is a credit card designed for your health, beauty and wellness needs. With many of our special financing options, you can avoid paying interest by making your minimum monthly payments and paying the full amount due by the end of the promotional period. Not all enrolled healthcare practices offer all special financing options, so please ask your practice to explain which ones are available for your purchase. Apply Now

What is the difference between Health and Vision Insurance?
We often have patients that have both Vision Insurance (for example, VSP, Eyemed, or Davis Vision) and Medical Insurance (for example, BCBS, Aetna, or Medicare). They are very different in terms of the services they cover, and it is important for our patient’s to understand these differences.

Vision Insurance is separate from your Health Insurance. It’s often from a different insurance provider and covers the annual eye exam necessary to determine if you need an eyeglasses prescription, or a change in the prescription you currently have. Most Vision Insurance has either a moderate allowance for a set of eyeglasses or a fixed dollar amount for contact lens care. Only very rarely are both eyeglasses and contact lenses paid for by your insurance in the same enrollment year.

Medical Insurance covers you for anything that has a medical diagnosis. This would include visits for an eye infection, diabetic checkups, sudden onset of flashes and floaters, dry eye problems, and chronic or acute allergy issues. Your Medical Insurance would also cover progressive evaluations to monitor cataracts, glaucoma and other recurring issues. Most medical insurances will not cover your annual eye exam or any glasses/contacts needed.

Credit Cards
Miller Eye Center accepts the following credit cards: