Insurance

Vision Plans that we accept: VSP, Eyemed, Davis, and a few others

Medical Plans that we accept: Medicare, Tricare, Optima, BCBS, Aetna, UHC, Healthkeepers and many more

VISION CARE VERSUS MEDICAL INSURANCE

We often have patients that have both vision insurance (VSP, EyeMed….) and medical insurance ( Blue Cross, Aetna, Optima,or Medicare). They are very different in terms of the services they cover and it’s important for our patients to understand these differences.

Vision insurance is designed mainly to cover determining a prescription for glasses, to help pay for glasses or contact lenses, and to cover a yearly routine evaluation of the health of the eyes in a healthy patient that has no particular problems or symptoms. It is not equipped to deal with and does not usually cover medical conditions, injuries, and/or treatments.

Medical insurance is designed to cover you when you have a medical problem, including one that affects your eyes. Medical insurance does not cover routine services or examinations for glasses, or routine vision problems such as nearsightedness, farsightedness, and astigmatism. Those are only covered by your vision insurance. When a medical diagnosis or medical condition is present that affects your eyes, such as high blood pressure, high cholesterol, diabetes to name just a few examples, or you have an eye disease or eye problem such as an infection (pink eye), dry eyes, allergy, cataracts, again, just to name a few, we must file the claim with your medical insurance, and the co-pays and deductibles for that insurance will apply. Your vision plan does not cover these kinds of problems. Our office does not make these rules, they are made by the insurance companies themselves, and there is often no way to know prior to your examination which type of insurance will be the right one to file your claim with. In the event that we do not accept your medical or vision insurance we will provide you with an itemized receipt so that you may file a claim for reimbursement with your insurance company yourself. If you have any questions, please let us know.