Insurances
We accept most insurance plans and offer options for those we do not.
Most Major Insurances Accepted!
We are dedicated to getting you the most comprehensive vision and/or medical insurance coverage possible. Our skilled team will analyze your plan to make sure you are getting the most out of your benefits. Don’t hesitate to call our offices if you have questions about your plan and benefits.
We happily accept:
Aetna (Some plans require a referral)
Amerihealth Administrators
Blue Cross / Blue Shield / Capital Blue
Carpenter’s Health & Welfare
Clover (Medical only)
Horizon Blue Shield of NJ (Please Call Our Office to Confirm Benefits)
Law Enforcement Health Benefits (LEHB/FOP)
March Vision
National Vision Administrators (NVA)
Vision Benefits of America (VBA)
United Healthcare Community Plan
and more...
We do NOT accept:
Davis Vision
Superior Vision
Spectera
Amerigroup
What is Vision insurance, and how is it different from Medical insurance?
A Vision insurance policy is different from your health insurance policy. Regular medical health insurance protects you from unexpected costs for eye injury or disease. In contrast, vision insurance provides an added wellness benefit for healthy eye exams, which includes routine eye care, prescription eyewear and contact lenses, and other vision services at a reduced cost. Some examples of vision insurance include Eyemed, NVA, Davis Vision, Spectera, March Vision, Vision Benefits of America (VBA), and VSP.
What does vision insurance cover?
Most vision plans include the following benefits:
· Routine vision exams
· Eyeglass frames
· Eyeglass lenses
· Contact lenses
Check with your plan to see if your benefits cover you once every year or once every two years. Eyeglass frames and lenses and contact lenses can usually be purchased at a discount, but not every plan has this benefit.
What does my Vision Plan NOT cover?
Vision plans do not cover any part of an eye exam considered “medical”. For example, vision insurance will not cover vision loss, floaters, dry eyes, allergies, infections, eye disease, or diabetic eye exams. If you need medication the doctor will not be able to give you a prescription if you are using a vision insurance.
Additionally, most vision insurance plans do not cover contact lens fittings (for first time wearers or established wearers) or yearly contact lens evaluations. What kinds of vision insurance plans are available? Typical vision insurance plans include benefits in exchange for a yearly fee. Just like your medical insurance, this means that you may have a yearly deductible and/or copays for exams and other services. Another type of vision insurance plan is a discount plan. Instead of copays, you will pay a discounted rate (usually anywhere from 75-85%) of the total fee charged by your doctor.
When you call in to make your next appointment with the eye doctor, make sure to explain the purpose of your visit so that we bill the appropriate insurance. Additionally, please always bring your insurance card(s) with you to every appointment.
Can I use my vision insurance and my medical insurance for a joint exam on the same day?
No. By law, we cannot bill two different types of insurance on one day. There are two alternatives.
First, we can always schedule your medical and vision visits on separate days, allowing us to bill your insurances on different days. You may have to go through some repetitive parts of the exam on those days because by law there are certain things the eye doctor must document at every visit.
If you need to schedule your medical and refraction exam on the same day, another option is billing your medical insurance for the medical exam (don’t forget, this may include a copayment at the time of your visit) and paying the additional flat rate for a refraction ($45.00).
Why is insurance so complicated?
Good question! We don’t make the rules, we just follow them. You can call the phone number on the back of your insurance card or look up your insurance policy details online. Ultimately it is your responsibility to understand the policies of your insurance companies, both medical and vision. Please call us if you have any questions.