Fees and Payment OptionsCash • Credit or Debit Cards • Care Credit Financing• FSA • HSA • HRA
Fees and Payment Options
Dr. Richardson’s surgical fees will depend on the type of surgery and the complexity of your eye disease. This said, we’ve provided the cost estimates for our most basic procedures.
Dr. Richardson does request that payment for surgery be made prior to the date of surgery. If you are not able to pay by cash or check then you may desire to use one of the many alternative payment options accepted by Dr. Richardson:
What will Dr. Richardson be charging for an exam or testing?
In order to make it both simple and affordable to be seen him, Dr. Richardson has set his fees below the standard rates in the Los Angeles area. His most commonly charged fees are as follows:
An exam to determine the prescription for glasses
Such as visual fields, optic nerve or retinal scans
(one or both eyes)
New Patient Consultation
(does not include refraction or testing)
If you need surgery by Dr. Richardson the fee will depend on the type of surgery and the complexity of your eye disease. Although Dr. Richardson’s staff can provide estimates by phone of what Dr. Richardson’s fee would be for a given surgery, the final fee will depend on the results of your evaluation and testing by Dr. Richardson.
- As Dr. Richardson has opted out of Medicare his Surgeon’s Fee cannot be billed to Medicare. However, many PPOs (both primary and secondary) will reimburse a portion of his fee after the deductible has been met.
- Although Dr. Richardson has opted out of Medicare and Commercial Insurance a portion of both the hospital and anesthesiologist fees should be paid by Medicare and PPO insurance plans once deductibles have been met.
- Our Insurance Specialist is available to research what insurance benefits you may have.
Most Credit or Debit Cards
Dr. David Richardson accepts most common credit or debit cards including Visa, Mastercard, American Express, and Discover®
To make it easier for our patients who can’t afford to pay the fees upfront, we’ve partnered with CareCredit™, the leading healthcare credit card company to help you easily pay for the cost of a procedure. Credit application is fast and easy by visiting http://www.carecredit.com/apply/ or calling (800) 677-0718. Upon approval of a credit line, you may use your CareCredit card immediately to finance up to 100% of the procedure and pay with a “no interest” or “low interest” payment plan that fits comfortably into your lifestyle and budget. You may use their online payment calculator to give you an idea of how much your monthly payment would be. There are no upfront costs, no annual fees, and no pre-payment penalties with Care Credit
Flexible Spending Account
A Health Care Flexible Spending Account (FSA) is an employer-initiated medical savings account plan where you contribute money (and your employer deducts) from your salary BEFORE taxes are withheld. The funds in this account may then be used to reimburse yourself for your out-of-pocket health care and dependent care expenses not covered by your employers’ health insurance plan.
Here are just some of the medical expenses reimbursable through FSA:
- Rx (prescription)
- Over-the-counter (drugs and medicines)
- Contact lenses and solutions
- Hospital fees
- Eye drops and treatments (over-the-counter)
- Eye examinations
- Eye related equipment/materials
- Eye surgery or treatment to correct vision
- Laser eye surgery
- Optometrist / ophthalmologist fees
For a complete list of FSA Eligible Expenses, visit: http://www.wageworks.com
Check with your employer (or your spouse’ employer) if such benefit is being offered. Enrollment period occurs once a year and once set and agreed on, the amount of your contribution cannot be changed unless you experience a change of family status. By law, the employee forfeits any unspent funds in the account at the end of the year. Equivalent annual contribution is capped at $2,500.
Health Reimbursement Arrangement (HRA)
A Health Reimbursement Arrangement, or HRA, is an IRS approved, employer-funded, health benefit plan that reimburses employees for out of pocket medical expenses and individual health insurance premiums. Under this plan, your employer makes contributions to your account and provides reimbursement for eligible expenses.
Check with your employer (or your spouse’ employer) if such benefit is being offered.
For more detailed information on eligible reimbursable expenses, please refer to IRS Publication 502 titled, “Medical and Dental Expenses”
Health Savings Accounts (HSAs)
A Health Reimbursement Arrangement, or HSA, is a tax-exempt trust or custodial account that you set up with a qualified HSA Trustee. Funds in these accounts can be used to directly pay for medical services (such as surgery). Qualified for HSAs are those not enrolled in Medicare, not a dependent on someone else’s tax return, covered under a high deductible health plan (HDHP), and have no other health coverage except what is permitted under “Other health coverage” in Publication 969 2. Contributions may be made by you, your employer, or both. Check with your employer if such plan exist.
- Publication 502. Medical and Dental Expenses (Including the Health Coverage Tax Credit) For use in preparing 2012 Returns Department of the Treasury Internal Revenue Service. Dec 10, 2012 http://www.irs.gov/pub/irs-pdf/p502.pdf
- Publication 969 Health Savings Accounts and Other Tax-Favored Health Plans For use in preparing 2012 Returns. Department of the Treasury Internal Revenue Service. Jan 30, 2013 http://www.irs.gov/pub/irs-pdf/p969.pdf