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Insurance and Payment Options

At Sabates Eye Centers, we believe that each of our patients from Kansas City deserves the highest level of personalized eye and vision care, regardless of how much they earn. We understand that some of the services we provide are not covered by insurance, and that our patients may incur some out-of-pocket costs for treatment. To help our patients fit care into their budgets, we offer multiple payment and financing options.

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General Information

It is our policy to collect any co-payments at the time of your appointment. We accept payment via cash, check, credit card, and money order.

We offer online bill pay to make our patients’ experience with us as convenient as possible.

Insurance Accepted

Medical insurance providers often require pre-authorization for eye and vision care services. Before your appointment with us, please discuss any pre-authorization requirements with your insurance company.

  • Aetna: HMO, PPO, POS (Aetna Medicare Replacement)
  • American Health Alliance (AHA): PPO
  • BCBS Medicare Advantage Plan
  • BCBS OF KC: HMO, PPO
  • BCBS OF KS: HMO, PPO
  • Beech Street: PPO
  • Choice Care Network: PPO
  • Cigna: HMO, PPO, PPO PLUS, EPO, INDEMNITY
  • Cigna Healthsprings
  • Community Care Network (CCN): PPO
  • CompAlliance: PPO
  • Davis Vision
  • EyeMed
  • First Health: PPO
  • Freedom Network and Freedom Network Select
  • Galaxy Health Network: PPO
  • GEHA
  • Great West/Cigna: PPO, POS
  • Health Choice of NW MO: PPO
  • Health Mgmt Network (HMN): PPO
  • Healthlink: HMO, PPO THROUGH FREEDOM NETWORK ONLY
  • Humana: Gold Plus
  • Humana: PPO & CHOICE PRODUCTS ONLY (Including Humana PPO Medicare Replacements)
  • Medica
  • MEDICARE
  • MEDICARE-RAILROAD
  • MultiPlan: PPO
  • National Provider Network (NPN)
  • National Vision Administrators (NVA)
  • One Health Plan: HMO, PPO, POS
  • Private Health Care Systems (PHCS): PPO & OPEN ACCESS
  • Preferred Health Professionals (PHP)
  • Preferred Plan and Preferred Plan Select (through Multiplan)
  • Pyramid LIFE Today’s Options (Medicare Replacement)
  • Sprint: Choice Indemnity Select (PPO, EPO)
  • Superior Vision
  • Tricare
  • United Healthcare: HMO, PPO, POS
  • United Healthcare (Benesight): PPO, TPA
  • United Healthcare Medicare
  • Veterans Admin Community Care

Disclaimer

We will check your vision benefit eligibility and make every attempt to help you understand and make the most of your benefits. It is important to understand that things can change between the eligibility check and the actual payment of the claim. For example, changes in insurance, lapse of time, new benefit years, claims that arrive to the payer after eligibility was checked, and purchases made between checking eligibility and placing an order for glasses or contacts. A quote of benefits is not a guarantee of benefits or payment. Charges not covered by your insurance company or benefit plan, as well as any co-payments, deductibles, and coinsurance amounts, are your responsibility.

Is My Treatment Covered by Insurance?

If your treatment is deemed to be elective (not medically necessary), it may not be covered by insurance. However, it is possible to pay for your out-of-pocket costs with funds from a medical spending account, like an FSA or HSA. We can also help you learn more about medical financing with CareCredit.


Late Arrival, Cancellation & No-Show Policy

The following guidelines help us provide timely and quality care to all patients.

Late Arrival

  • Patients are considered late if they have not arrived within 10 minutes of their scheduled appointment time.
  • Late arrivals may result in rescheduling or a reduced service depending on availability.

Cancellation

  • Appointments must be canceled or rescheduled at least 24 hours in advance.
  • Late cancellations may result in a $35 fee.

Missed Appointment

  • Missing an appointment without prior notice is considered a no-show.
  • No-shows may be charged a $35 fee.
  • If missed appointments persist this may affect future scheduling.

Compassionate Exceptions

  • We understand that life can be unpredictable.
  • If you have an unusual situation, please reach out to our team. We are here to work with you.

Thank you for helping us serve all our patients with care and punctuality.

Financing Options

Alphaeon Credit

With the Alphaeon Credit card*, you’ll find a wide array of flexible monthly payment options to help you receive the care your doctor recommends.

What Can I Finance?

Alphaeon offers financing for all treatments we offer, including:

*Subject to credit approval and availability. Purchase must be made using the ALPHAEON CREDIT Card Account. ALPHAEON CREDIT Card Accounts are offered by Comenity Capital Bank which determines qualifications for credit and promotion eligibility. Account must be in good standing at the time of purchase. At no time will the minimum payment due be less than $27.00. Minimum interest charge is $3.00 per credit plan. Standard variable APR of 32.99%, based on the Prime Rate. Comenity Capital Bank issues ALPHAEON CREDIT Card Accounts, which can be used with participating physicians.

Paying for Care with FSA, HSA, and HRA Accounts

Patients can use funds from medical spending accounts like FSA (Flexible Spending Account), HSA (Health Savings Account, and HRA (Health Reimbursement Account) to cover the cost of care. These funds are specifically designated for healthcare expenses, and are employer-sponsored and tax-deferred. Funds from medical spending accounts may not carry over to the next calendar year, so it’s wise to use them before you lose them.

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