The cost of routine eye exams and prescription eyewear can be of real concern, especially for large families. In many cases, vision insurance can lower these annual expenses.
A vision insurance policy is not the same as health insurance. Regular health insurance plans protect you against financial losses due to unexpected eye injuries or disease. Vision insurance, on the other hand, is a wellness benefit designed to provide routine eye care, prescription eyewear and other vision-related services at a reduced cost.
Because we provide both medical and routine eye care, we accept a number of insurance plans to help cover the cost depending on your individual needs. Here are just some of the plans that we accept:
Medical Plans we accept
- Aetna
- Anthem
- Blue Cross Blue Shield
- Bluegrass Family Health
- Cigna
- Humana
- Medicaid
- Medicare
- United HealthCare
- Other Misc Insurance Plans
Vision Plans we accept
- Comp Benefits
- Coast To Coast Vision
- EyeMed (Access Plans)
- Davis Vision
- Vision Service Plan (VSP)
- Vision Care Direct
We do accept other plans as well, so if you do not see your plan listed here, please give us a call and we would be happy to assist you. Our staff is also always available to answer any questions regarding your benefits.
What is a Refraction, and why is it not covered by Medicare or other major medical insurances?
A refraction is the test that Dr. Klosterman uses to determine your exact eyeglass prescription. During a refraction, Dr. Klosterman puts the instrument called a phoropter in front of your eyes and shows you a series of lens choices. He will then ask you which of the two lenses in each choice looks clearer.
Based on your answers, Dr. Klosterman will continue to fine-tune the lens power until reaching a final eyeglass prescription. The refraction determines your level of hyperopia (farsightedness, myopia (nearsightedness), astigmatism and presbyopia.
The reason why Medicare and other major medical insurances do not cover this is because that particular service is "not reasonable and necessary", "experimental", "investigational," or "not medically necessary" and will deny the payment of that service.
- Questions & Answers About Vision Insurance
It's not true that insurance protects you against unexpected or overwhelming financial obligations. Vision insurance, on the other hand, is a wellness benefit designed to provide routine eye care, prescription eyewear and other vision-related services at a reduced cost. Learn about types of plans, coverage and payment options. - What's in Your Vision Insurance Plan
Make the most of your vision insurance plan by understanding your particular vision coverage. - Warranty Information
Have questions about your warranty information with your insurance plan or as a private pay patient? Feel free to click on the links to find out more information.
