At Mudgil Eye Associates, we believe excellent eye care should be accessible. We accept most major medical and vision insurance plans including Medicare, work directly with patients to verify coverage before each visit, and offer flexible payment options for elective and premium services like advanced cataract surgery and EVO ICL.
Have a specific question about your coverage or out-of-pocket costs? Call our office at 610-429-3004 and our patient services team will verify your benefits before your appointment so there are no surprises.
We accept most major medical and vision insurance plans. Below are the most common categories. If you don't see your plan listed or aren't sure, call us and we will verify your specific benefits before your visit.
Plan participation can change. Always call our office at 610-429-3004 before your appointment to verify your specific plan and coverage. The above is illustrative; please confirm with our office.
Coverage depends on your specific plan and whether the visit is medical or routine vision. Here's how it generally breaks down at Mudgil Eye Associates:
Many patients have both medical and vision insurance. We bill the appropriate coverage based on the reason for your visit. If your visit starts as routine but a medical issue is found, we may need to bill a portion to medical insurance, and we will explain this to you before charges are processed.
Medicare Part B covers medically necessary cataract surgery, including the surgeon fee, the facility fee, the standard monofocal intraocular lens (IOL) implant, and one pair of standard eyeglasses or contact lenses after surgery. Medicare typically pays 80 percent of the Medicare-approved amount and you are responsible for your Part B deductible and 20 percent coinsurance, which is often paid by a secondary or supplemental plan.
Dr. Mudgil's office will provide a clear written estimate before scheduling any surgery so you know exactly what Medicare covers, what your supplemental plan covers, and what your remaining out-of-pocket cost will be.
Cataract surgery with a standard monofocal lens is covered by Medicare and most commercial insurance. Patients who want to reduce their dependence on glasses after surgery can choose to upgrade to a premium IOL. The base cataract surgery is still covered; only the lens upgrade and any laser refractive component is out-of-pocket.
Typical premium IOL out-of-pocket ranges (per eye) at Mudgil Eye Associates are similar to most U.S. cataract practices. Final pricing depends on the specific lens, the use of femtosecond laser, and any additional refractive correction. Dr. Mudgil's team provides a written quote at your consultation.
Most elective vision services at Mudgil Eye Associates are HSA-eligible and FSA-eligible expenses, including premium IOL upgrades, femtosecond laser cataract surgery, EVO ICL, and contact lens fittings. Many patients use HSA/FSA dollars to offset out-of-pocket costs for advanced cataract surgery and refractive procedures. Bring your HSA or FSA debit card on the day of payment, or submit a receipt for reimbursement.
CareCredit is a healthcare credit card that offers no-interest and extended financing options for elective procedures including premium IOL cataract surgery and EVO ICL. Many patients spread their out-of-pocket cost over 12, 18, or 24 months. Apply at CareCredit.com before your consultation if you would like to discuss financing.
We accept cash, personal checks, and all major credit cards (Visa, MasterCard, American Express, Discover). Payment is collected at the time of service for any patient responsibility (copay, deductible, or out-of-pocket amount).
For any cataract surgery, EVO ICL, or other surgical procedure, our team prepares a written estimate showing what your insurance covers and what your final out-of-pocket cost will be. We never bill you a surprise.
We accept most major medical and vision insurance plans including Medicare. Plan participation can change, so always call our office at 610-429-3004 before your appointment to verify your specific plan.
Medical insurance covers eye exams that address a medical concern (cataracts, glaucoma, diabetes, eye pain, injury, infection, or any disease of the eye). Vision insurance covers routine eye exams, glasses prescriptions, and contact lens fittings when there is no medical concern. Many patients have both. We bill the appropriate coverage based on the reason for your visit.
For most patients with Medicare or commercial insurance, basic cataract surgery with a standard monofocal IOL is fully covered after your deductible and copay. If you choose a premium IOL upgrade (PanOptix, Vivity, Light Adjustable Lens, etc.) or femtosecond laser, those are out-of-pocket. Dr. Mudgil's team provides a written estimate at your consultation showing exactly what your final cost will be.
No. Medicare and commercial insurance cover the standard monofocal IOL only. Premium lens upgrades and femtosecond laser fees are out-of-pocket. HSA and FSA funds may be eligible to cover some of these costs, and CareCredit financing is also available.
Yes. Premium IOL upgrades, femtosecond laser cataract surgery, EVO ICL, contact lens fittings, and most elective vision services at Mudgil Eye Associates are HSA and FSA eligible expenses. Bring your HSA/FSA debit card or save your receipts for reimbursement.
Yes, through CareCredit. Many patients use CareCredit's no-interest or extended financing options to spread out-of-pocket costs over 12, 18, or 24 months. Apply at CareCredit.com before your consultation. We also accept cash, check, and all major credit cards.
Yes. For any cataract surgery, EVO ICL, or other surgical procedure, our team prepares a written estimate showing your insurance coverage and your remaining out-of-pocket cost. You will know your exact final cost before scheduling.
We accept Workers Compensation for eye injuries sustained on the job. You will need your claim number and authorization from your employer's Workers Comp carrier before your visit.
We work with patients without insurance to offer transparent self-pay pricing. Many services are surprisingly affordable, and CareCredit can help you spread payments over time. Call us to discuss self-pay rates for your specific situation.
Call our office at 610-429-3004 and our patient services team will verify your insurance benefits before your appointment so there are no surprises. You can also request an appointment online and we will reach out to confirm coverage before your visit.
Mudgil Eye Associates has served Chester County and the Main Line for more than 20 years and we are committed to making advanced eye care affordable and accessible. We look forward to caring for your vision.