Understanding Your Insurance: Vision vs. Medical
You’re Covered — Let’s Help You Use It
Insurance can be confusing, but your eye care shouldn’t be. We’re here to make it simple.
Whether you need a routine vision exam or treatment for an eye health concern, we’ll help you use the right plan — and make sure you get the care you need.
What’s the Difference Between Vision and Medical Insurance
| Vision Insurance | Medical Insurance |
|---|---|
| Covers routine eye exams | Covers eye health problems |
| Helps with glasses or contact lens costs | Covers conditions like diabetes, dry eye, or infections |
| Often used once per year | Used as needed for medical treatment or diagnosis |
| Examples: VSP, Superior Vision | Examples: Blue Cross, Aetna, Medicare, etc. |
When Do You Use Vision Insurance?
Vision plans cover routine eye exams, which check your prescription and overall eye health. They also typically help with the cost of:
- Glasses and lenses
- Contact lens fittings
- Optional lens upgrades (anti-reflective, Transitions, etc.)
We currently accept:
- VSP (Vision Service Plan)
- Superior Vision by Versant Health (MetLife)
When Do You Use Medical Insurance?
If your visit involves a medical concern — even if you wear glasses — your medical insurance may apply instead of your vision plan.
You can use your medical insurance with us if you’re being seen for things like:
👁️ Diabetes or high blood pressure affecting the eyes
👁️ Cataracts
👁️ Glaucoma
👁️ Macular degeneration
👁️ Dry eye disease
👁️ Eye infections, injuries, styes, or red eye
👁️ Sudden vision changes or floaters
👁️ Allergies or itchy eyes
We are in-network with most major medical plans, including:
- Aetna
- Ambetter
- Blue Cross Blue Shield
- Cigna
- Humana
- Medicaid
- Medicare
- Tricare
- TriWest
- UnitedHealthcare
- WellMed
- And many more!
Don’t See Your Plan Listed?
No problem! We may still be able to file your exam out-of-network, or help you use your Health Savings Account (HSA) or FSA benefits.
Don’t have insurance?
We offer affordable self-pay pricing and discounts to help keep your care within reach.
Not Sure Which Insurance Applies to Your Visit?
Call us anytime — we’ll walk you through it. Whether you’re booking a routine eye check or need help with an eye condition, we’ll help you use the right plan, file it correctly, and make your visit stress-free.
