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Vision Insurance Plans vs. Medical Insurance Plans

Many patients have both vision and medical insurance. Each insurance covers different services and it’s important to know the differences. Please reference the chart below to better understand what each insurance may cover. Please familiarize yourself with your individual insurance plan benefits and requirements including:

  • Co-pay, deductibles, and co-insurance percentages
  • Referral to our specialty, if one is required by your plan
Vision Insurance
 
Determining patient’s glasses prescription
 
Purchasing glasses or contact lenses
 
Annual routine eye exam for a healthy patient who has no eye problems or symptoms
 
Refraction for nearsightedness, farsightedness, or astigmatism
 
Does NOT cover medical conditions, injuries, or treatments
Medical Insurance
 
Coverage for medical conditions, including those that affect the eyes
 
Cataract, glaucoma, age-related macular degeneration, strabismus (eye turn) and amblyopia (lazy eye)
 
Diabetes
 
Eye infection and pink eye
 
Dry eyes and eye allergies
 
Eye trauma and injuries
 
May NOT cover refraction for nearsightedness, farsightedness, or astigmatism
 

Beach Eye Care Accepts Most Health Insurance & Vision Plans

We participate with a vast majority of insurance plans. If your insurance requires a referral, please have your primary care provider fax the referral to 757-496-2457. If you have a Medicaid plan and have a medical issue, please contact your PCP to obtain a referral on file with your insurance for coverage at Beach Eye Care. This is required before your appointment. If you do not see your insurance plan listed here or have any questions, please contact our office. We will gladly verify coverage for you.

VISION

CEC
Davis Vision
EyeMed (excludes Medicaid EyeMed*)
Superior Vision
Vision Benefits of America
VSP (excludes Medicaid VSP*)

*Effective 10/20/25

MEDICAL

AARP
Aetna
Anthem Blue Cross Blue Shield
Blue Cross Blue Shield
Champ VA
Cigna
GEHA
Humana
Medicare
Medicare Railroad
Mutual of Omaha
Sentara Healthplans
Tricare
Tricare Prime
United Healthcare
USAA

Please call or text one of our team members at 757-425-5550 to get more information on medical coverage.

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Or call us at 757-425-5550
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