Insurance
Insurance Plans may vary by location and are subject to change. Please call to verify.
Medical Insurance
AARP Medicare Advantage
AARP Medicare Advantage – Banner Health Network
AARP Medicare Advantage – Optum Network
AARP Medicare Advantage – Tuscon / Rural / Direct Networks
Advantage Health Plan
Advantra Freedom Medicare Advantage PFFS Plan
Air Gas Safety (Optical)
Aetna Commercial and Medicare Advantage
AHCCCS (State Medicaid)
Arizona Care Network
Arizona Complete Health (formerly Healthnet AHCCCS)
AZPC Network
AZ Foundation for Medical Care
Arizona State Physicians Association (PHCS, MultiPlan, Beech Street, Three Rivers, USA Managed Care, Galaxy Health)
Banner Health Network
Banner Choice Plan
Banner University Family Care AHCCCS
Beech Street PPO
Benesight
Blue Cross Blue Shield of AZ
BC BS Blue Alliance (BHN)
BCBS Medicare Advantage
BCBS Medicare Advantage – Banner Health Network
BCBS Medicare Advantage – JCL / MIHS Networks
BCBS Medicare Adv
BC BS of AZ EyeWear (Optometrists)
Bridgeway Health Solutions
Bright Health
Care 1st AHCCCS and Medicare Advantage
CareMore Medicare Advantage
Cigna – Commercial and Medicare Advantage
Champva
Eastern AZ College Advisory Team
Coventry National Networks (First Health, Mailhandlers)
Galaxy Health Networks (ASPA)
Gila River Healthcare
Health Choice Arizona (Medicaid)
Health Choice Generations Medicare Advantage
Health Net of Arizona – Medicaid and Medicare Advantage
Healthstar
HMA (AZ Medical & Rural Networks)
Humana – Commercial and Medicare Advantage
Indian Health Services – Statewide
Intel Connected Care
John Deer Health Insurance
Lions Noon and Sunrise Volunteer Program (Flagstaff)
Lions Club (Tucson)
Logistics Heath LHI Army Reserves
Magellan Complete Care AHCCCS
Medicare Part B
Mercy Care AHCCCS
Mercy Maricopa Integrated AHCCCS
Mercy Care Advantage
NACA (Native Americans for Community Action) Flagstaff only
National Preferred Provider Network
QTC Medical (Federal Occupational Health Contract includes National Guard)
United Health Care of AZ & Affiliates
United Community Health Plan (formerly APIPA)
United Health Care (UHC) – Community Plan (AHCCCS)
United Health Care (UHC) Medicare Advantage
United Healthcare Compass
UMR
UHC Tricare
University Care Medicare Advantage (Banner University)
TriWest Healthcare Alliance
CRS (Children Rehab Services)
University of Arizona Health Plans
Multi Plan
PHCS (Private Healthcare Systems)
Premier Vision (Medical Plan is Well Care)
Railroad Medicare
Refuge Medical Assistance Program
RSA Contract (AZ Department of Economic Security, Rehabilitation Services)
Rural Arizona Network
SightCare (CRS)
Southwest Administrators
Spectera
StarMark
TriWest
Uniform Medical Plan
Union Benefits of America Vision Plan
VA Community Care Network (formerly VAPC3)
Three Rivers (ASPA Network)
Vision Insurance
Always Vision
Avesis
AZ Optometric Association Vision Program
Davis Vision
ECCA Managed Vision Care
Eye Benefits
Humana Vision Care Plan Formerly Comp Benefits
March Vision
Nationwide Vision (Sightcare)
Opticare
Superior Vision Services
Vision Care Direct
Vision Benefits of America
Vision USA Volunteer Program
VSP (Vision Service Plan)
Insurance FAQ
What Makes Vision and Medical Insurance Different?
Medical insurance can be used for medically related vision needs like surgery, emergency care and treatments for eye conditions like glaucoma or infections. Vision Insurance is better described as a benefit that offsets the cost of vision needs like wellness exams, refractions, and can include allowances for lenses and contacts.
When Can I Use My Vision Insurance?
Vision Insurance can be used for routine eye exams that allow you to get your refraction and a new prescription, however, you will not be covered for any medical diagnoses or a more comprehensive eye exam that would screen you for the development of eye conditions like cataracts and glaucoma.
How Often Can I Use Vision Benefits?
Vision Benefits typically can only be used once a year or once every other year, depending on the plan. Because of this, if you want to use your benefits for a refraction and lens or contact benefits, you will need to do both during the same appointment in order to avoid being billed separately for both.
Why do I have to Pay for a Prescription When I have Vision Insurance?
If you come in for a Comprehensive Eye Exam, meaning you are screened for eye conditions and are given a more all-encompassing exam, your medical insurance will be used to cover it and not your vision insurance. You would use Vision Insurance for your prescription and glasses or contacts benefits. However, your vision insurance cannot be used at the same appointment as you use your medical insurance because legally, two insurances cannot be billed for the same encounter. This means if you want to get both your comprehensive exam and an updated prescription, you will need to either pay separately for the prescription or come in for a routine exam and refraction on another day to use your vision benefits and receive your prescription.
Can Insurance be Used to Cover LASIK?
Typically, not. LASIK is almost always considered an elective procedure and would therefore not be covered by insurance. However, some businesses do offer programs to help their employees pay for LASIK. At Southwestern Eye Center, we also offer CareCredit as a financing option to be able to make affordable payments over time.
Can Insurance be Used for Eyelid Surgery?
Upper Eyelid surgery can be deemed medically necessary based on precise measurements. If the sag of your eyelid is inhibiting your vision, you may be eligible for coverage. If you opt to do more cosmetic fixes along-side the medical surgery, those will not be covered.
How Do I know if I'm in Network?
The best way to find out if you are in-network for your appointment is to call to verify for the most accurate and up-to-date information.