El Segundo Eyecare accepts most major vision and medical (PPO) insurance plans as well as a number of vision discount plans. Flexible spending and HSA accounts may also be used to pay for services and products. Because vision coverage can be so confusing, we’ve listed a useful guide to answer the most commonly asked questions.
Vision insurance is used for services related to determining your prescription, when we perform your contact lens examination, and for when you purchase eyeglasses and/ or contact lenses. Plans may have a fixed schedule of copays for services and materials, a fixed dollar amount to contribute (called an allowance), or they may provide a flat discount. Many plans also offer additional benefits for prescription sunwear and laser vision correction. Most plans will cover eyeglasses OR contact lenses, but some employers offer secondary coverage so you can receive full benefits when you purchase both. Plan benefits can either renew on the first of the year, or an insurance-specified time from the last service date.
Medical insurance is used for ocular (eye related) medical services and exams. Diabetic eye exams, as well as office visits related to eye injuries, infections, and irritations. Make sure to bring your medical insurance card with you to your appointments. Most medical insurance plans consider optometrists to be specialists, so for office visits you should expect to pay the Specialist CoPay at the time of your visit.
Vision Discount Programs/ Office Discounts
You may have a medical insurance plan or a savings group membership that offers a vision discount program to subscribers. Savings with these programs are modest but worth looking into. We suggest that you call your medical insurance Member Services department and ask if they offer any discounts on routine vision services and materials. If you do qualify for a vision discount program, please inform us of the program when scheduling your appointment. We honor most nationally-recognized discount programs.
Our office also offers certain discounts to qualifying patients and purchases. We’ll be sure to calculate in these discounts when totaling your order.
Flexible Spending/ Health Savings Accounts
Eye exams and prescription eyewear/ contact lenses qualify for Flexible Spending and Health Savings Account dollars. These accounts can be combined with other vision coverage, so make sure to let your optician know that you are using your flex spend or HSA money and we’ll provide a detailed receipt for submission. If you have extra money left at the end of the year, why not use it for a great pair of prescription sunglasses?
We welcome all patients regardless of vision coverage, and thus try to keep our fees affordable for everyone.