Vision Insurance
The knowledgeable staff at Dr. Peter T. Pham & Associates is experienced in working with a majority of vision insurance providers. We will work directly with you and your vision insurer to submit claims. We strive to ensure that you understand your insurance coverage and will answer any questions you may have regarding your benefits to the best of our knowledge. Many current vision plans are designed to cover many of the basic vision-related costs, but not all costs associated with eye care. Most plans often require a co-payment for an office appointment as well as additional costs that are covered by the insured patient. Listed are some of the current major vision insurances that we accept:
| EyeMed | VSP (open access)- some plans may be out of network |
| Blue View Vision | Humana Vision |
| Davis (FED VIP only) | Cigna Vision |
| Spectera /UHC Vision | Aetna Vision |
| March Vision | NVA |
Contact our office at (571) 833-0300 to find out if your insurance provider is accepted in our office or for more information about your vision coverage.
Medical Insurance
Medical or health insurance differs from vision insurance in that it generally does not cover a routine eye exam and refraction. The refraction, which is included in most vision plans, is how the doctor determines your prescription for glasses and/or contacts. Health Insurance is meant for use during office visits, specialty needs, disease management or co-management, and pre- or post-op surgical visits. While we are happy to coordinate benefits for any patient with multiple insurances or coverages, we cannot guarantee coverage for services provided in the office.
| Blue Cross Blue Shield / Anthem | Anthem Medicaid |
| United Health Care | Aetna & Aetna Better Health of Virginia (Medicaid) |
| Medicare | Carefirst |
| Aetna Medicare | UHC Medicare |
| Humana | Tricare |
| Cigna | GEHA |
| Optima Health | UMR |
For the most accurate information regarding real time benefits, eligibility, and fees, we advise you contact your insurance's member services for specific information relating to your own unique plan and its coverage.
Flexible Spending Accounts
Many employers are offering Flexible Spending Account (FSA) options to employees. Sometimes these are referred to as cafeteria plans and are elective, supplemental insurance savings plans. These plans are designed to let you save money in an account, pre-tax, to pay for additional medical expenses such as eye exams, glasses, contacts, and often laser vision surgery. Check with the benefits administrator at your work to see if you are eligible for this program. FSAs can typically be used in conjunction with any vision insurance plan to offset any out-of-pocket costs on your behalf.
Other Payment and Post Billing Options
Our optometry staff understands that cost is a concern when evaluating vision care providers. We do not want cost to be an obstacle to maintaining proper eye health and good vision. Post billing allows a patient to resolve any financial obligations (e.g., fees, balances, and co-insurances) that may have been left outstanding by either the patient or insurance after services were rendered. We accept various forms of payment and are able to discuss financing options with you prior to any examination. Call today to schedule your eye exam today!