Contact:
Downtown:  (785) 235 - 2374

South West: (785) 271 - 8181
    Toll Free: (800) 469 -2010

(800) 469 - 2010
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Doctors Deutscher and Rottinghaus are credentialed to provide services for both vision and medical plans. By contractual agreement, DR Eyecare cannot list all plans accepted. If you do not see your plan, call one of our offices to see if your plan is accepted.

If you do not see your insurance plan, please contact our office for assistance.

  • Aetna
  • Anthem
  • BCBS
  • BCBS Federal
  • Blue Cross Blue Shield-Kansas
  • Care Management Resources
  • Cigna
  • Core Source
  • Coventry
  • FMH Benefits
  • First Health
  • Health Partners of KS
  • Humana
  • KBT
  • Medicare DMERC Glasses
  • Medicare B
  • Medicare Railroad
  • Medicaid of Kansas
  • ProviDrs Care
  • Prudential
  • Superior Vision (Materials Only)
  • Tricare
  • UMR
  • United Healthcare
  • Vision Care Direct

IMPORTANT INSURANCE BASICS


Many changes have happened in the healthcare and health insurance industries over  the past few years. Insurance plans can often be hard to understand because they  are complex and written using industry jargon. By reviewing some basic concepts  and terms we hope you can gain a better understanding of your insurance plan.

Cost Sharing:The arrangement that defines how you and your insurer pay for  the medical services and items you receive.  Coinsurance, copayment and  deductibles are all forms of cost sharing.

Deductible: A fixed dollar amount during the benefit period - usually a year - that  an insured person must pay before the insurer starts to make payments for covered  medical services. Plans may have both per individual and family deductibles.

Coinsurance: A stated percentage of medical expenses that an insured person  must pay after the deductible amount, if any, was paid. Many plans commonly institute 20% coinsurance after the deductible is met, so a $100 medical expense  would require a ($100 x 20%) $20 payment by the insured person.

Copayment: A fixed dollar amount an insured person must pay each time a  medical service is received. Different healthcare services may require a different  copayment amount. Some insurance plans require the deductible to be met before copayments are required.

High Deductible Health Plan: A plan that requires significantly higher upfront,  out-of-pocket spending than traditional insurance plans, with an annual deductible of $2,000 or higher. The insured person is responsible for 100% of the cost of  prescriptions, medical testing, medical devices, therapies, doctor’s visits, surgeries,  and emergency room visits until the deductible has been met.  Hopefully this review will help you better understand your current insurance plan  and will help you avoid confusion in the future.

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