What’s the difference between In-Network vs. Out-Of-Network?

“In-network” providers have contracted with your vision insurance company to accept certain rates that are discounted. Patients will pay less with an in-network provider. “Out-of-network” providers are not contracted with your insurance and have not agreed to the discounted rates.

What vision insurance does Lifetime Optometric accept in-network?

Lifetime Optometric is an in-network provider for Vision Service Plan (VSP) and only the following EyeMed plans: Insight, Aetna, and Cigna. Lifetime Optometric is no longer in-network with Medical Eye Services, Superior Vision, Spectera, and EyeMed-Access, Advantage, and Select. Learn more about the insurance carriers we work with.

What is an out-of-network insurance claim and how do I file one?

There may still be some reimbursement available to patients for out-of-network vision claims. Please contact your insurance for details on reimbursement. Lifetime Optometric will provide blank out-of-network forms upon request and an itemized receipt. The patient will need to complete the form and submit it to their vision insurance provider. The insurance will then determine the reimbursement based on your insurance plan.

For all patients that have an out-of-network insurance, the cost of the annual eye exam will be private pay fees without insurance. To help our patients, Lifetime Optometric is offering Sunbit, a buy now, pay-over-time solution to help with the fees for the exam, glasses and/or contacts.

May I use my medical insurance if Lifetime Optometric doesn’t accept my vision plan?

Vision insurance is different from your medical insurance. Vision insurance is the annual wellness benefit to check the health of the eyes and test for prescription glasses/contact lenses. In contrast, medical insurance protects you from unexpected costs for eye injury or management and treatment of eye diseases such as sudden vision loss, cataracts, eye infection, glaucoma, complications from diabetes, and dry eyes. Lifetime Optometric will check your medical insurance to determine if your visit may be billed for the medical exam. However, the glasses test is still not billable to your medical insurance.