We at Kursar Eye Care understand that you and your employer have gone to great degree of effort in providing you coverage for the medical, surgical and visual care of your eyes. Possibly they have provided insurance to cover glasses and contact lenses as well.
Many of these plans require prior authorization or referrals from a primary care physician before the exam will be covered by your insurance. The insurance is your policy, we will try to make this process as painless as possible to you. In order to do this it is often necessary to clear this information with your insurance carrier prior to your examination. We request this information a few days before your visit and will try to have this done ahead of time. We also request that you bring all your insurance cards and numbers with you so we can verify the accuracy of this information. We also accept cash, Visa, Mastercard, Discovery as well as personal checks for your visit.
A clear understanding about your fees and payments is very important to us and we know you will feel more comfortable about this process as well. If you do not provide proof of insurance coverage at the time of your exam, we cannot expect your insurance to pay the fee. Therefore you will be responsible at the time of the visit.
Noncovered Services:
Insurance coverage for the laser correction surgery and other noncovered
services. Some insurances in the St. Louis area are covering laser corrective
surgery. However, neither facility where Dr. Kursar performs surgery takes
assignment for payment. Therefore you are expected to make arrangements
for payment for these noncovered services either by full payment, visa,
mastercard, discover or select one of the convenient payment plans available
prior to the surgery. We will always be happy to attempt to get prior
authorization for your surgery or send your completed insurance papers
to your carrier following the procedure.
We participate fully or partially with the following insurance plans:
ADVANTRA
AID ASSN. FOR LUTHERNS
AVESIS
AMERICAN ASSOCIATION
RETIRED PERSONS
AMERICAN COMMERCIAL
MUTUAL INS.
ACORDIA SMALL BUSINESS ACS INDUSTRIES
ADMINISTRATIVE SERVICE
CONSULT
ADVANTRA
AETNA
AFFORDABLE MED NET
AFLAC
AIR NATIONAL GUARD
ALLIANCE
ALLIANCE CHOICE
ALLMERICA FINANCIAL ALPHA DATA SYSTEMS
AMERICAN FAMILY
AMERICAN FREIGHTWAYS INC AMERICAN MEDICAL SECURITY AMERICAN NATIONAL
AMERICARE
ANTHEM
APWU HEALTH PLAN CLAIMS
DEPT
ASSOCIATED DOCTORS HEALTH INS
AVESIS
AVMA GROUP HEALTH AND LIFE
BAKERY AND CONFECTIONERY UNION
BANKERS LIFE & CASULTY CO BARNES EYECARE NETWORK
BLUE CROSS BLUE SHIELD BLUE CHOICE MO
BLUE CHOICE SENIOR
CABA ADMINISTRATIVE
SERVICES
CARE MAN
CARPENTER'S HEALTH &
WELFARE
CATHOLIC COMMUNITY
SERVICES
CENTRAL STATES
CHAMPUS
CHRISTIAN FIDELITY LIFE CHRISTIAN HOSP PHYSICIAN
GRP
CIGNA
CLAIM MANAGEMENT
SERVICES
CNA
COMBINED INS CO OF AMERICA CONCORDIA HEALTH PLAN CONNETTICUT GENERAL LIFE
CONSECO DIRECT [COLONIAL PENN]
CONSOLIDATED FREIGHTWAYS CORP
CONSTRUCTION LABORS [HEALTHLK]
CONTENENTAL GENERAL INSURANCE
CONTINENTAL LIFE
CORESOURCE
CORPORATE HEALTH
ADMINISTATORS
COUNTRY LIFE INSURANCE
CROWN CORK AND SEAL
CUSTOMCARE
DALLAS GENERAL LIFE
DBL SERVICES
DESERET HEALTHCARE
E B & M CORPORATION
EDSA
EMERSON CORPORATE
DIVISION
EMPHESYS
EMPIRE BLUE CROSS BLUE SHIELD
EMPLOYEE BENEFIT PLAN
ADMINSTR
EPOCH
EQUICOR [EQUITABLE]
ETHIX
EXCLUSIVE CHOICE
FIRST HEALTH
FORTIS
GALLAGHER-BASSETT
SERVICES
GATEWAY PHYSICIANS
NETWORK
GEHA GOVERNMENT EMPLOYEES
GENCARE HMO
GENERAL AMERICAN
GOLDEN RULE [MEDIGAP]
GOODYEAR
GREAT WEST
GROUP HEALTH PLAN
GUARANTEE TRUST LIFE
GUARDIAN
HANCOCK PREFERRED HEALTH CARE SELECT HEALTH LINK [PIPEFITTERS 562]
HEALTH PARTNERS
HEALTH PLAN SERVICES HEALTHLINK
HUMANA HEALTH
HUMANA HEALTH [LINCOLN NATL]
ICNA
INTERCOUNTY HOSPITALIZATION
JOHN ALDEN LIFE [SANUS PPO]
JOHN HANCOCK
KANAWHA BENEFITS
SOLUTIONS
KROGER HEALTH PLAN
PURDENTIAL
LIFE INSURANCE COMP OF
GEORGIA
LINECO
LOCAL 1 HEALTH AND WELFARE
LOCAL 1310 WELFARE FUND LOCAL 35 JOURNEYMEN
PLUMBERS LOCAL 36 [SHEET METAL'S FUND]
LOCAL 513 WELFARE FUND LOCAL 618 WELFARE FUND LOCAL 74 HEALTH AND WELFARE
LOCAL 841 WELFARE FUND
MASS MUTUAL
MEDI MET
MEDICAL MUTUAL OF OHIO
MEDICARE MO
MEDICARE RAILROAD
MEDICO
MERCY HEALTH PLAN
MET LIFE
METRAHEALTH
METROPOLITAN
MID WEST NATIONAL LIFE
INS TN
MO VALLEY
MONUMENTAL LIFE
INSURANCE
MOPAC
MULTI CARE AIG
MUTUAL OF OMAHA
NALC HEALTH
NATIONAL ASSN. SELF EMPLOYED
NATIONAL FINANCIAL INSURANCE
NATIONAL STATES INS CO
NAVISTAR
NEW ENG
NORTHWEST
NYLCARE
OXFORD FREEDOM PLAN
OXFORD LIFE INSURANCE
PAINTERS DIST COUNCIL #2
PCN
PENSION ASSOCIATES
PENSION BOARDS [UCC
CLAIM]
PHCS
PHYSICIANS MUTUAL
PIONEER LIFE
PM GROUP BENEFITS
PREMIER BENEFITS
PRIME VISION HEALTH PLAN
PRINCIPAL HEALTH CARE OF ST LOUIS
PRINCIPAL LIFE INSURANCE
PRINCIPAL MUTUAL
PROAMERICA
PROVIDENCE
PROVIDENT LIFE [HEALTH SOURCE]
PROVIDENT LIFE AND ACCIDENT
PRUDENTIAL
PURINA BENEFIT
PURPASS
QUALITY CARE HEALTH PLAN
RAIL TERMINAL SERVICE
RESERVE NATIONAL
INSURANCE CO
RURAL CARRIER BENEFIT
PLAN
SAMBA MUTUAL
SANTE FE EMPLOYEES HOSP ASSOC
SANUS PASSPORT
SEABURY [BENEFIT PLAN ADM]
SEDGWICH JAMES OF MO
SHELTER LIFE INSURANCE
SINGER RETIREES TRUST FUND
SOUTHERN MEDICAL ASSOCIATION
SSM [LAHOOD AND ASSOC FMH]
ST LOUIS GRAPHIC ARTS H\W FND
STANDARD LIFE
STAR ADMINISTRATIVE
STATE AUTO HEALTH PLAN
STATE FARM INSURANCE
STATE MUTUAL [ALLMERICA]
STUDENT CLAIMS ADMINISTRATORS
SUPERIOR VISION PLAN
TEAMCARE
TEAMSTERS MEDICARE TRUST
TENNAT HEALTH PLAN
TENNAT HMO
THE GUARDIAN
THE MEGA LIFE & HEALTH INS.
THE TPA
TIME INSURANCE COMPANY
TRANS WORLD AIRLINES INC
TRAVELERS
TRICARE [FORMERLY CHAMPUS]
USF & G
UNITED HEALTHCARE
ADMINISTRATORS
UNITED HEALTHCARE CHOICE
UNITED HEALTNCARE CHOICE PLUS
UNICARE
UNION BANKERS LIFE INS CO
UNION FIDELITY
UNION PACIFIC RAILROAD
UNITED AMERICAN INSURANCE
UNITED COMMERCIAL TRAVELERS
UNITED FOOD AND COMMERCIAL UN
UNITED HEALTH CARE
UNITED MEDICAL RESOURCES
UNITY HEALTH CARE
UNITY HEALTH VISION CARE PLAN
VISION SERVICE PLAN
