Medical insurance and vision benefits plans can be extremely confusing!

At our office, we never want confusion or frustration to stand between you and top-quality eye care. We have created this section with a couple of valuable resources to help you better understand your healthcare coverage options, including recommendations and tips on how to maximize your eye care experiences. If you ever have any questions or concerns about your coverage or ability to receive care, please do not hesitate to contact us.

Vision Plans We Accept
Our office is a provider for the following vision plans. If you do not see your plan listed below or have questions about your vision coverage, please contact us at 615-893-1913, and one of our staff will be more than happy to assist you.

Vision Service Plan (VSP)

Spectera

March Vision

Superior Vision

Care Credit

National Vision Administrators

EyeMed

Humana Comp Benefits

Vision Care Direct

Medical Plans We Accept
Our clinic is a provider for the following medical insurance plans. If you do not see your plan listed below or have questions about your medical coverage, please contact us at 615-893-1913 and one of our staff will be more than happy to assist you.

Medicare

Blue Cross Blue Shield of Tennessee

Aetna

Cigna

United Healthcare

Healthscope Benefits

Windsor

Do you need both medical and vision insurance?
Obviously, the choice to enroll in any type of insurance or benefit program is a personal decision. Because of potentially high healthcare costs, being a part of an insurance or benefit program can be helpful for the cost of care. Typically, medical insurance does not cover you for routine eye care (exams, glasses, contacts, etc.). Instead, medical insurance can cover eye-related diseases and problems such as infections. Vision insurance or benefits are designed to cover or assist with the routine parts of eye care not covered by medical insurance. It is important to understand that while there are many different eye-related problems that you can have, they are not all going to be covered under any one insurance policy or benefit plan. A hypothetical person who wears glasses for their myopia and suffers from diabetic retinopathy will need medical insurance for the diabetes related problems in their eyes and vision insurance or benefits for their eyeglasses. It can become very complex, very quickly! Talk to your eye doctor today if you have any questions or concerns regarding your coverage.
What is medical insurance?
The medical insurance landscape is rapidly changing, so sometimes it can be difficult to keep up with all of your options. Usually, medical insurance is an insurance policy that you pay premiums for to use for the sole purpose of seeking medical care when needed. There are many medical insurance companies to choose from, and each company has their own network of doctors and standard services provided based on your eligibility. You can sign up for medical insurance individually, as a family or receive it as part of an employment package. Medical insurance can also be obtained through governmental programs such as Medicare or Medicaid.
What is vision insurance?
Vision insurance is different than medical insurance in that it only entitles you to specific eye care services and benefits based on the policy you select. Typically, vision insurance covers the cost of a comprehensive eye exam on a pre-set annual schedule. It will also often provide discounts or set dollar amounts to be applied to the purchase of eyeglasses or contact lenses. Some vision insurance companies will also offer discounts towards refractive surgeries, such as LASIK.
Out-of-Network Coverage
Is your vision plan or medical insurance not on our provider lists above, and you still wish to receive your eye care from our clinic? We are more than happy to make duplicate copies of all of your statements and documents so that you can file for out-of-network reimbursements from your carrier. The choice of where to receive care is yours, and we will gladly help walk you through the process if you would like to visit our clinic out-of-network!
Common Insurance Terms
  • Co-pay: a fixed amount that you owe each time you receive care from a provider in your covered network
  • Deductible: the portion that you must pay before your medical or vision plan will begin to pay their portion of health expenses
  • Exclusion: medical or vision service that is not covered by your plan
  • Network: a group of providers that have agreed to provide care to a particular plan’s members for pre-set fees below their normal fees
  • Out-of-network: providers who have not contracted to provide services to a particular plan’s members for reduced fees
  • Provider: a health care professional that provides services to patients