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Understanding your Insurance

At Laria Eye Care in Miami we provide both medical and routine eye care and accept a number of insurance plans to help cover the cost depending on your individual needs. There are different plans widely available in our area.

Medical Insurance plans are used for eye emergencies, injuries, and diseases – for example, Conjunctivitis (pink eye), dry eye, allergies, Glaucoma, and foreign bodies.

Vision insurance plans, like dental plans, are usually offered in addition to medical insurance plans and are used for routine eye exams, glasses and contact lenses. Benefits vary by plan but in general have copays that range between $10 and $25 dollars for routine eye exams and members have an allowance of around $100 to $300 to purchase eyewear or contact lenses.

VISION PLANS

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VSP

Also known as Cigna Vision and Metlife Vision, VSP offers individual vision plans and plans through employers. Companies such as the University of Miami and Citrix offer VSP to their employees. Plans can also be purchased individually online. VSP provides polycarbonate, impact-resistant lenses, at no charge for kids under 18 years old. Our office is proud to be a VSP Premier provider and as such can offer qualifying VSP patients an extra $40 added to their frame allowance when they choose frames from featured frame brands!

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EYEMED

Also known as Anthem, Human Vision, and Blue View Vision, EYEMED is very similar to VSP. It is offered to employees of Miami-Dade County, Miami-Dade County Public Schools, Baptist Health, and State of Florida. Many Bright Health members can also purchase a vision plan through Eyemed to add on to their health insurance. While most vision plans provide a set allowance to be used for either frames or contact lenses, Eyemed plans usually provide separate allowances for frame and contact lenses, allowing patients to purchase both at lower costs!

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DAVIS VISION

Offers individual vision plans and plans through employers. It is often known as FEP Blue Vision, Blue Options, and Guardian. Eye exams have a low copay and members are allowed a certain amount of money to purchase eyewear or contact lenses. Many Florida Blue members have vision coverage through Davis Vision, also known as Versant.

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SPECTERA

Is widely available for United HealthCare members and also Humana Medicare members. It is often known as Lincoln and United HealthCare Vision. They also offer low copays for eye exams and allowance to purchase eyewear and contacts.

Obama Care Insurance Plans (Federally-Facilitated Marketplace - FFM)

Insurances offered under the Federally-Facilitated Marketplace (FFM), also known as Obama Care, offer vision plans to members at an additional cost. However, vision plans are automatically included at no extra charge for children under 18 years of age.

Federally-Facilitated Marketplace (FFM) Insurance

Vision Plan

Bright Health Eyemed
Ambetter Ambetter Vision
Florida Blue Davis Vision
Molina VSP
Oscar Davis Vision
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VSP Members: Expand your eyewear benefits with up to a $100 rebate on glasses or up to $35 on sunglasses. Call us for more information!