It’s Never Been Easier to Use Your Insurance Benefits

- Aetna Medicaid

- Amerigroup TN

- Anthem BCBS of Kentucky

- Avesis

- BCBS of Tennessee

- Cigna (Commercial)

- Coast to Coast Vision

- Davis Vision

- EyeMed

- EyeQuest

- Humana

- Loomis, Inc.

- March Vision

- Medicaid Kentucky

- Medicaid Tennessee/Tenncare

- Medicare KY (Cigna Government Services)

- Medicare TN (Palmetto GBA)

- National Vision Administrators

- Passport

- RR Medicare

- Spectera

- TriCare

- UMR

- Unum

- United Healthcare

- VA CCN/Optum

- Veterans Evaluation Services

- VSP

- WellCare of KY

Some of these insurances are seen by specific doctors within our practice and new insurances are added on occasions. Please call your local office if you want to verify that your doctor takes your specific insurance.

Note: Many insurance companies will say that AEC providers are In-Network, but our company only takes primary insurance companies with an existing contract with AEC.

As a service to our patients, we are pleased to offer the CareCredit card, the nation’s leading patient payment program. CareCredit lets you begin your procedure immediately—then pay for it over time with low monthly payments that are easy to fit into your monthly budget. So, you can begin your vision care today and conveniently pay with low, monthly payments. CareCredit offers a comprehensive range of NO Interest and Extended Payment Plans.

• No Interest Payment Plans

• No interest if the balance is paid within the specified time period

• Low minimum monthly payments

• We allow you to make payments

With CareCredit, you pay no up-front costs, no pre-payment penalties and no fees. Plus, CareCredit is a revolving credit line for additional treatment or add-on charges, without the need to re-apply. It only takes a few minutes to apply for CareCredit and you may receive an online decision in seconds!

Apply now or see our staff for more details.

How and Where Does One Obtain Vision Insurance?

Individuals can buy a vision benefit plan. Vision insurance plans may be available through your place of employment, school district or through social plans like Medicare or Medicaid.

• Indemnity health insurance is traditional insurance, which allows policyholders to access medical providers of their choice. Vision insurance is often a value-added benefit included in indemnity health insurance plans, health maintenance organization (HMO) plans and plans offered by preferred provider organizations (PPOs).

• HMO health plans require their members to access health care only from HMO providers. HMOs provide health care services to plan members at discounted rates. HMOs include a range of healthcare professionals – doctors, laboratories and hospitals.

• PPO is a network of healthcare professionals who provide healthcare services to members at discounted rates. Plan members may use out-of-network providers, but they usually will pay more for the services rendered.

What types of vision insurance plans are available?

Vision insurance comes in two forms, a discount vision plan or a vision benefits package.

• Discount Vision Plan – Eye care at fixed discounted rates after an annual premium or membership fee and a deductible are paid.

• Vision Benefits Package – Usually, a vision benefits package requires an annual premium or membership fee, a yearly deductible for each enrolled member and a co-pay each time a member accesses a service.

Discount vision plans and vision benefits packages are custom-designed to meet the different requirements of a wide range of customers, such as unions, big, mid-size and small companies, and school districts.

What is included in vision insurance?

Standard Vision insurance usually includes the following services and products:

• LASIK and PRK vision correction at discounted rates

• Annual eye examinations

• Contact lenses

• Eyeglass frames

• Eyeglass lenses

Usually, services acquired from network providers are more affordable than out-of-network providers.

Are there payment options?

If group vision insurance is available from your employer, you pay for it through payroll deductions or flexible spending accounts.

• A flexible spending account, sometimes referred to as a cafeteria plan, allows an employee to use pre-tax dollars to purchase selected health benefits such as vision insurance. This plan saves your money because you receive the full benefit of income that has been set aside for health costs, making it not subject to or reduced by taxation.

If you are self–employed or if your employer does not offer vision insurance then you can expect to be billed monthly or annually.