Insurance Accepted
We accept most major vision and medical insurance plans. Call your nearest location and we'll verify your specific benefits before your visit.
Always call to verify before your visit
Insurance acceptance and coverage details vary by location, plan, and benefits year. Calling ahead means we can confirm your benefits, estimate your out-of-pocket cost, and have everything ready when you arrive — no billing surprises.
Vision Plans
Typically cover routine eye exams and eyewear allowances.
- VSP (Vision Service Plan)
- EyeMed
- Davis Vision
- Spectera (UnitedHealthcare Vision)
- VBA (Vision Benefits of America)
- Superior Vision
- Aetna Vision
- Humana Vision
Medical Plans
Typically cover medical eye exams, diabetic exams, and eye-disease evaluations.
- Blue Cross Blue Shield
- UnitedHealthcare
- Aetna
- Cigna
- Humana
Government
Federal and state programs we work with regularly.
- MedicareCovers diabetic eye exams + medically necessary eye care
- MedicaidCoverage varies by state plan
Don't see your insurance listed? Call your nearest location anyway — many smaller and regional plans are accepted but not listed here, and we can usually run out-of-network benefits or work out self-pay pricing if needed.
How Vision vs Medical Insurance Works at an Eye Exam
Most patients have two kinds of insurance that may apply to an eye exam, and which one we bill depends on why you're being seen.
Vision insurance
Vision plans (VSP, EyeMed, Davis Vision, Spectera, etc.) cover routine annual or biannual eye exams + an allowance toward glasses or contact lenses. If you're coming in for a routine prescription update, this is the policy we run.
Medical insurance
Medical plans (Blue Cross, UnitedHealthcare, Medicare, etc.) cover eye exams that have a medical reason — diabetic eye exams, exams for chronic eye conditions (glaucoma, macular degeneration, dry eye), exams to investigate symptoms (sudden vision changes, eye pain, floaters). If you have diabetes or a known eye-health condition, we typically run your medical insurance instead of (or alongside) your vision insurance.
What if I have both?
Many patients have both. We'll choose the right one based on the reason for your visit. For example: a diabetic patient coming in for an annual diabetic eye exam → medical insurance. The same patient coming back next week to update their glasses prescription → vision insurance.
What if I have neither?
Self-pay pricing is straightforward and transparent. Comprehensive eye exams are typically $80–$200 depending on the location and what's involved. Specialty exams (contact lens fittings, diabetic exams) may add a small additional fee. We give you exact pricing before you schedule — call your nearest location for a self-pay quote.
Insurance Questions Patients Ask Most
Quick answers to the most common questions about coverage, billing, and what to expect.
Verify your benefits
Call your nearest location with your insurance card handy. We'll verify benefits and estimate any out-of-pocket cost in just a few minutes.