Financial Policy

We are a fee-for-service practice, and do not have contracts with any insurance company. We also have “Opt-Out” status with Medicare since 2001, and do not bill or accept reimbursement from Medicare. We request payment from all patients at the time of service, and provide our patients with the appropriate billing statements with insurance coding for immediate submission to their insurance company. Your insurance provider (with the exception of Medicare, see below) will reimburse you at the non-provider (out-of-network) rate allowed by your policy. Our staff will be happy to answer your insurance billing questions.

For your convenience, we accept MasterCard and Visa in addition to personal checks and cash in payment for our services. For minors, we will contact the parent or guardian for credit card payment by telephone if they are not present at the child’s appointment.

Our Medicare patients sign a contract that allows us to provide medical care. This contract explains in detail the nature of the Opt-Out status. Unfortunately, neither our Medicare patients nor our practice can bill Medicare or accept Medicare reimbursement for our services, according to Federal guidelines for the “Opt-Out” status. Please go to the “Patient Forms” section of our Website menu and select the “Medicare Opt-Out” form to review. Our staff will be happy to answer your questions regarding our “Opt-Out” status.

Our Schedule of Fees for all of the services provided by this office is available by Fax or mail, if requested. Dr. Gardner reviews patients’ previous medical and surgical records and writes a letter to the referring physician at no additional charge to the patient who is seen in our office for a new patient consultation or comprehensive eye examination. The following services may incur an additional charge:

  1. Government reports such as Social Security, Disability, and DMV
  2. Camp and school forms requiring review of patient records
  3. Letters to insurance companies requesting patient benefits
  4. Copies of our medical records
  5. Consultation request summaries and letters
  6. Patient-requested correspondence
  7. Outside diagnostic test interpretations
  8. Extended and long-distance patient and physician telephone consultations