Fort Collins Family Eye Care
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Financial, Insurance & Office Policies Information

We provide:

  • Transparent pricing estimates before services
  • Discount packages for self-pay patients
  • Receipt documentation for FSA/HSA submission

We are a concierge eyecare provider devoted to delivering truly personalized vision care. Should you wish to use your insurance benefits, please review the info below to learn how we can seamlessly assist you.

Payment Options

Accepted Payment Methods

  • Cash

  • Personal checks

  • Major credit/debit cards (Visa, MasterCard, Discover, American Express)

  • Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA)

Eye Exam

Flexible Spending (FSA) & Health Savings Accounts (HSA)

Your FSA or HSA can typically be used for:

  • Eye exams
  • Glasses and contact lenses
  • Dry eye treatments
  • Specialty contact lenses
  • LASIK consultations (where applicable)

Tip: FSA funds typically expire at the end of the year—be sure to use them before they’re gone!

No Insurance? No Problem.

If you do not have insurance or choose to pay privately, we are happy to offer competitive pricing for all of our services and eyewear products.

Save by Paying with Cash or Check

We strive to make quality eye care affordable and accessible. One easy way to save during your visit is by choosing to pay with cash or check. By doing so, you can avoid the 3.3% credit card processing fee that applies to all credit and debit card transactions.

This small step helps reduce costs for both our practice and our patients—and we’re happy to pass that savings along to you!

If you have any questions about payment methods or would like to explore flexible payment options, our team is here to help.

Contact Us

Email: Heather@fcfamilyeyecare.com
Phone: 970.223.7150 ext. 105

HIPAA Privacy Notice

We take patient privacy seriously. Our office complies with all HIPAA regulations to safeguard your health information.

Highlights of Your Rights:

  • Access and request amendments to your health records
  • Limit disclosures and request confidential communication
  • File a complaint if you believe your rights have been violated
A full copy of our HIPAA Privacy Policy is available online or by request in the office​.

Download HIPAA Privacy Policy

INSURANCE COVERAGE OVERVIEW

At Fort Collins Family Eye Care, we believe transparency is key to helping our patients make confident decisions about their care. Below is a comprehensive overview of our payment policies, insurance information, and frequently asked questions.

Understanding your insurance benefits can sometimes be confusing. We are here to help clarify how your insurance coverage works.

In-Network vs. Out-of-Network

In-Network Insurance:

These are insurance plans we have a contractual agreement with. Patients using in-network coverage typically enjoy lower out-of-pocket costs, such as reduced copays, deductibles, and coinsurance. We handle billing directly with the insurer.

Out-of-Network Insurance:

These are plans we do not have a contract with. You may still be able to receive care with us, but you may pay more upfront and will likely need to file claims with your insurer for reimbursement. Benefits, if any, vary significantly depending on your plan.

Vision Plans vs. Medical Insurance

Vision Plans:

Contributes toward routine eye exams, glasses, and contact lenses. Common providers include VSP, Eyemed, and Spectera. These plans are typically used when you are NOT experiencing medical symptoms (e.g., just need new glasses or a yearly check-up).

Medical Insurance:

Contributes toward office visits related to medical conditions like dry eye, infections, diabetes, allergies, or other ocular diseases. Medical insurance is billed when your visit is related to symptoms or diagnosed eye health conditions.
Note: It’s possible that both your medical and vision insurance may be used during the same visit, depending on the reason for your appointment.
Note: It’s possible that both your medical and vision insurance may be used during the same visit, depending on the reason for your appointment.

Insurance Coverage Notice

At Fort Collins Family Eye Care, we are proud to be in-network with a variety of medical insurance providers. However, it's important to understand that being in-network with a medical insurance company does not automatically mean we are also in-network with the vision plan that may be attached to that insurance.

Medical insurance is typically used for health-related eye concerns such as dry eye, eye infections, injuries, or other medical conditions. Vision plans, on the other hand, are designed to cover routine eye exams and contribute toward the cost of glasses or contact lenses.

We encourage you to contact our office or your insurance provider to verify your vision plan network status before your appointment. Our team is happy to help clarify any questions you may have to ensure you understand what your benefits cover

Accepted In-Network Insurances

As of December 15, 2024, we are in-network with the following plans​:
  • VSP
  • Anthem BCBS*
  • Medicare
  • Medicaid*
  • Cigna*
  • CHP+*
  • United Healthcare
  • AARP Medicare Complete
  • AARP Supplement
Some plans under these carriers may not be in-network. Please contact us to verify.

Out-of-Network Insurance Plans

As of December 17, 2024, the following plans are considered out-of-network​:
  • Aetna
  • Cigna CO Connect / EPO
  • Davis Vision
  • Denver CHP+ / Medicaid
  • Devoted HMO
  • Eyemed
  • First Health
  • Humana
  • Kaiser (all plans)
  • Any Out-of-State Medicaid
  • Medishare
  • RMHP Prime Medicaid
  • Spectera
  • SLMB Medicaid
  • Wyoming Medicaid
We are happy to provide a detailed receipt (superbill) that you may submit to your insurance for potential reimbursement.
We are NOT ACCEPTING Workmen's Comp or Division of Vocational Rehabilitation clients at this time.

Office Policies:

Financial Policy Summary

Our goal is to ensure a smooth billing experience. Below are highlights from our financial policy:
  • Payment is due at the time of service unless prior arrangements are made.
  • Missed Appointments without at least 24 hours’ notice will result in a $75 fee.
  • Returned Checks incur a $35 service charge.
  • Late Arrivals may need to be rescheduled and could incur fees.
  • We accept major credit cards, FSA/HSA cards, and CareCredit.

A detailed version of our financial policy is available upon request in the office.

Past Due Accounts and Collections

At Fort Collins Family Eye Care, we are committed to providing exceptional care and clear communication about your financial responsibilities. In the event that an account becomes seriously past due and multiple attempts to resolve the balance directly have been unsuccessful, we partner with Allegiant Receivables Solutions to manage collections.

Allegiant Receivables Solutions is a trusted agency that works with healthcare providers to ensure outstanding balances are handled professionally and ethically. Their goal is to resolve accounts in a way that is respectful and supportive of the patient relationship.

We encourage all patients to communicate with us early if they are experiencing financial hardship. Our team is always happy to discuss payment options before accounts are referred to collections.
  • AR: Balances under $100. Run card on file for payment and thank patient via email with zero balance invoice. A courtesy 5 day notice is emailed ahead of time.
  • AR: Balances over 14 days and over $100. Communicate to patient via email with invoice image and text to pay message to submit payment within 14 days. Card on file will be charged at next notification.
  • AR: Balances over 30 days. Run card on file for non-optical payments and thank patient via email with zero balance invoice. If no card on file, send final notice statement via final email and first paper statement.
  • AR: Balances over 45 days. Final payment collections phone call. Payment plan to be established and zero balance within 10 days. Send to collections agency if no payment made by day 55.

To learn more about Allegiant Receivables Solutions, visit:

allegiantcollects.com.

Do you accept CareCredit?

Yes. We proudly accept CareCredit as a flexible payment option for our patients. CareCredit is a healthcare credit card designed to help you pay for out-of-pocket expenses not covered by insurance. It offers special financing options, including short-term, interest-free plans for qualifying purchases, allowing you to manage the cost of vision care, medical treatments, or eyewear with ease. Whether you’re receiving routine services, specialty treatments, or purchasing glasses and contact lenses, CareCredit helps make your care more affordable—so you can prioritize your health without delay. To apply or learn more, visit www.carecredit.com or speak with our front desk team.

No Suprises

Days ahead of every reservation a complete electronic explanation of services, estimation of fees for services, advanced beneficiary notice, and a clear, prompt timeline required for payment of services, materials and products. If you are experiencing technical difficulty, please call our office for assistance. It is your responsibility to familiarize yourself with office policies, requirements, and payment protocols.

Frequently Asked Questions (FAQ)

Do you provide Medical Necessity Letters?

Yes. Our doctors are happy to provide Medical Necessity Letters upon request. These professionally written letters are often used for schools, workplaces, or insurance companies to support accommodations, leave, or coverage requests. Each letter includes medically relevant information such as diagnoses, treatment recommendations, and supporting documentation.

Common uses include:

  • School accommodation requests (e.g., extra test time, special seating)
  • Workplace documentation for ADA accommodations or medical leave
  • Insurance claims that require clinical justification
Fee: $48.00 per 15 minutes of composition
Turnaround: Typically within 72 hours
To request a letter, speak with your provider or our front desk team.

Can you help with IEP or 504 Plan evaluations?

Yes, we may assist in your child's IEP (Individualized Education Plan) or 504 Plan process if they are actively receiving care at our clinic.
While school districts conduct their own evaluations to determine eligibility, our providers can support by:
  • Writing letters of recommendation that explain how visual or processing concerns may affect learning
  • Sharing clinical summaries or pertinent findings with your child’s educational team (with proper authorization)
These services fall under our Medical Necessity Letter policy and follow the same fees and turnaround times.

What ages do you treat?

We provide care for patients of all ages, starting as young as six months old and continuing through adulthood. Our team is trained in developmental vision care, preventative eye health, and age-related conditions to support patients across every life stage.

Can I drop off my child for their appointment?

No. A legal guardian must remain onsite for the full duration of a minor’s appointment. This ensures we can promptly communicate updates and obtain consent if needed during the visit.

Additional guidelines:

  • We allow no more than two family members per family to be scheduled in the same appointment block.
  • If your family has more than two children needing appointments, they must be booked in separate time slots or days to maintain quality care and office flow.

Do you offer internships or accept students?

Yes! Fort Collins Family Eye Care proudly supports student education through our internship and observation program.
We accept:
  • Undergraduate students interested in exploring healthcare careers
  • Graduate-level students pursuing pre-optometry or clinical experience
Interns may observe clinical care, participate in educational sessions, and learn about practice operations in a structured, supportive environment.
To inquire or apply, visit our Contact Us page or reach out to our administrative team directly.
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