Insurance and Billing

Spokane Eye Clinic (SEC) is committed to serving our patients with professionalism and care. We recognize the importance of our patients knowing and understanding the issues that affect the total cost and out-of-pocket cost of care they receive. To assist you in understanding your bill, we have created a frequently asked questions section below. 

For additional questions, please contact our business office at (509) 623-9765, Monday–Friday 8 am–4 pm. 

Frequently Asked Billing Questions

SEC is contracted as a participating provider or preferred provider with a multitude of health insurance plans. Many of these plans offer more than one insurance product, often with specific limitations. The best way to know if we take your insurance plan is to call your insurance provider directly and ask about the services you plan on receiving from our physicians. 

It is your responsibility as a patient to know your insurance coverage and familiarize yourself with your insurance benefits and cost-sharing agreement.

As a patient you are specifically responsible for:

·         Verifying that SEC is a contracted provider with your insurance plan.

·         Obtaining a referral prior to seeing our providers if required by your plan.

·         Knowing if an authorization is needed in advance of services being rendered.

·         Determining that you are eligible at the time of service.

·         Knowing what services are covered or not covered by your insurance plan.

·         Your co-payment, co-insurance, and deductible.


Current In-Network Carrier Relationships

Please note that we are continually updating our list of in-network carriers. If you would like to check an insurance not on this list or have additional questions, please contact our business office directly at (509) 623-9765 between 8:00 am and 4:30 pm, Monday - Friday.

  • AARP Medicare Complete
  • Aetna
  • All Savers
  • Allegiance
  • Allied Benefit Systems
  • Ameriben
  • Asuris Northwest Health
  • Benefit Administrative Systems
  • Blue Cross of Idaho
  • Champ VA
  • Cigna
  • Community Health Plan of Washington
  • Corporate Benefit Services Vision Plan
  • Cypress Benefit Administrators
  • Department of Labor and Industries WA
  • First Choice Health Network
  • First Health Network
  • GEHA
  • Health Comp
  • Health Net Commercial
  • HMA
  • Humana
  • Indian Health Services
  • Kaiser Permanente
  • LifeWise
  • Medica
  • Medicaid of WA and ID
  • Medicare
  • Moda Commercial Plans
  • Molina Healthcare of WA and ID
  • Mountain Health Co-Op            
  • Multiplan and PHCS
  • Northwest Benefits Network
  • Pacific Source Health Plans
  • Premera Blue Cross
  • Providence Health Plan
  • Railroad Medicare
  • Regence Blue Shield
  • Tricare West Region
  • TriWest Choice
  • Trusteed Plan
  • United Healthcare
  • Vision Service Plan (VSP)
  • Web TPA

Contact your insurance company directly to verify if a referral is needed.

It is the policy of SEC that payment is due at the time of service unless other financial arrangements are made in advance. We require all patients to pay their co-payment, co-insurance, and deductible at the beginning of each visit.  At the conclusion of your visit, you will be billed for any outstanding balances.

We will be happy to bill your medical or vision insurance as a courtesy, please provide your insurance information to the front office staff upon check-in. Billing your insurance does not place all financial responsibilities onto this practice and you will be held accountable for any unpaid balances by your plan.

SEC is contracted with many insurance carriers; however, our services may not be covered by your particular insurance plan. Being referred to our clinic by another physician does not guarantee that your insurance will cover our services.

It is recommended that you verify your insurance benefits and coverages prior to your visit. Do not assume that you will not owe anything if you have more than one insurance policy, a referral, or an authorization.

SEC is required to collect all co-payment, co-insurance, and deductible amounts at the time of service, per our contracts. Please do not ask us to write off these amounts from your account or apply additional discounts.

Payments can be made by:

  • Calling our business office
  • Mailing in a check
  • Accessing Patient Portal
  • Coming into the clinic in person

Accepted payment methods:

  • Cash
  • Check
  • Credit/Debit
  • Care Credit (Restrictions apply)

If you do not have insurance or SEC is not contracted with your specific insurance plan full payment is expected at the time of service. A 10% discount is applied for payments at time of service for patients that do not have insurance (certain exclusions may apply for elective services).

The No Surprises Act protects people covered under group and individual health plans from receiving surprise medical bills when they receive most emergency services, non-emergency services from out-of-network providers at in-network facilities, and services from out-of-network air ambulance service providers.

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