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At Blacksburg Eye Associates we are happy to accept many forms of both medical and vision insurance, and just because you may not see yours listed doesn’t mean that we can not provide you with eye care. Please feel free to contact us with any concerns you may have regarding your benefits and we will do the best we can to answer your questions.

A note for students and other dependents

There are a few things you will need to do prior to your appointment to make sure you are seen on time and that you can fully use your insurance benefits. Feel free to call with any questions.

  1. Find out if you have routine vision coverage and find out who it is through. You can call the toll-free number on the back of your insurance card and ask. For example, many (but not all) Anthem BCBS have EyeMed for their vision coverage, some may have VSP or Davis Vision.
  2. If your insurance is through your parents/guardians there are a few important pieces of information we will need for you to use your benefits. Even if we have a copy of the card we will likely need their date of birth, home address, home phone and SSN. Payment (including insurance information) is required at the time of service and if you do not have this information readily available we can take payment and give you an insurance receipt that you may submit to the insurance company for reimbursement.
  3. Come in the office early so we can finish any paperwork and address any concerns before your scheduled exam time. Don’t forget to bring your card(s) with you.

Vision Insurance

Vision insurance is usually optional coveraged added to your insurance package that covers ‘routine’ eye wellness exams.  This insurance may or may not include allowances or coverage for

spectacles, lenses, or contact lens related fees.  The plans normally allow for an ‘eye exam’ once per calendar year, although plans vary.  Examples are Spectera, Davis Vision, and Eye Med.

Medical Insurance

An optometrist is a medical specialist (optometric physician) and most optometrists participate as providers for care which is covered by your medical insurance.

This care would be covered as a specialist, much like a visit to a cardiologist, allergist, chiropractor, or ENT.  Depending on your insurance policy, you may require a referral from your PCP to see a specialist.  If there is a medical necessity for the exam, then usually most of the exam fees will be covered by your medical insurance–regardless of whether or not you have a vision plan or “vision insurance.”  Some common medical problems which would warrant an eye exam would be dry eye, blurred vision, pink eye, diabetes, head aches or eye strain.  Examples are Medicare, Medicaid, Anthem,  Blue Cross/Blue Shield, and Aetna.

“But my insurance only covers an eye exam once a year.”  This statement is referring to the vision care policy, and your ‘vision’ wellness exam (as described above).  Medical eye care, like any other ‘specialty,’ is covered as often as is seen fit by the physician (or PCP if a referral is needed).  Contact us with any questions regarding your ‘vision’ versus ‘health’ insurance.

The Refraction: Better One or Two?

The refraction is the portion of the eye exam that measures the prescription strength for glasses and contacts.  This test is covered if you have vision insurance, such as VSP, Eyemed, or Spectera. Medical insurance providers such as Anthem, Aetna, and Medicare do not cover this test. If you do not have vision insurance to bill the refraction to, there will be an additional fee you are responsible for.  Our refraction fee is $40.

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Category: Insurance

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