Vision Insurance vs. Medical Insurance:
Your prescription eyeglasses/sunglasses or contact lenses may be billed to Vision Insurance. Your exam may be billable to your Vision Insurance, or it may need to billed to your Medical Insurance, depending on the health of your eyes and your medical history. For more information, see our Vision Exams page.
Vision Insurance Plans:
Vision insurance is designed to cover ‘refractive’ problems of the eye, meaning those problems that can be corrected with eyeglasses or contact lenses. Most major health insurance providers do not provide vision coverage directly, but contract with vision insurance plans to provide benefits for their members.
We accept most, but not all plans from the following vision insurance carriers:
- Vision Service Plan/VSP (most, but not all plans)
- Cigna Vision (when underwritten by VSP)
- BCBS (provided directly by BCBS, NOT ‘BlueView’ or ‘BlueVision’)
- Met Life Vision (when underwritten by VSP)
- Banner University Family Care* (for patients under 21)
- Banner University Care Advantage*
- Tricare
- Vouchers from Sight for Students and Eyes of Hope (provided by VSP, the Lion’s Club, and other humanitarian aid organizations)
*Beginning January 1, 2025, Banner University Family Care and Banner University Care Advantage will begin contracting some, but not all, of their routine vision and vision materials coverage to one of the few VSP plans that we are not contracted with. We’ll check to see if we are in network with your routine vision benefits prior to finalizing your appointment. We’ll still be in-network for medical exams on these plans.
We are NOT in-network with EyeMed, Spectera, Davis Vision, Avesis, SightCare, Vision Care Direct, Superior Vision, United Healthcare Vision, BlueView, or Blue Vision
Need Vision Coverage? VSP has plans for individuals and families.
Health/Medical Insurance Plans:
Eye problems that cannot be corrected by eyeglasses or contact lenses go beyond the scope of Vision Insurance and are covered by major medical insurance. These conditions include eye injuries, infections, dry eye, glaucoma, cataracts, etc. We accept the following medical insurance:
- Blue Cross/Blue Shield
- Cigna PPO/Cigna OAP
- Medicare (and Medicare Supplement plans)
- Railroad Medicare
- Tricare/Tricare for Life
- Banner University Family Care
- Banner University Care Advantage
- Sana
- Certain Medicare Advantage plans
If we are not in-network, we may be able to bill your medical insurance if your plan offers out-of-network benefits. If you have questions about your specific insurance plan, please contact our office.