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Insurance

Eye Doctor Accepting Medical & Vision Insurance in Homer, Alaska

At Homer Eyecare, we accept both medical and vision insurance, allowing us to provide comprehensive eye exams and medical eye care in Homer and across the Kenai Peninsula.

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Insurance Plans We Are In-Network With

  • VA
  • VSP
  • Moda
  • Medicare
  • Medicaid
  • Tricare

In-network means we have a contracted rate with your insurance company.

Plans We Commonly Bill

  • Aetna
  • Premera Blue Cross Blue Shield
  • Cigna
  • Masters, Mates & Pilots
  • United Health Care
  • UMR
  • Meritain
  • Inland Boatsman Union
  • AARP
  • Humana
  • GEHA

If we are out-of-network with your plan, you may still have benefits depending on your policy.

Plans We Are Unable to Bill

  • Spectera
  • Davis Vision
  • EyeMed
  • Premera Federal Employee Plan
  • Health Share Plans

If you carry one of these plans, payment is due at the time of service. You may submit for reimbursement directly with your insurance carrier, if your plan allows.

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FAQ

Eye care may be billed under two different types of insurance depending on the reason for your visit. Yes — we can bill both when appropriate.

Vision Insurance Typically Covers:

  • Routine eye exams
  • Glasses prescriptions
  • Contact lens fittings
  • Frame and lens allowances

Vision insurance is designed for routine wellness care when no medical condition is present.

Medical Insurance Applies When Your Visit Involves:

  • Eye pain, redness, flashes, or floaters
  • Sudden vision changes
  • Dry eye disease
  • Eye infections
  • Glaucoma monitoring
  • Cataract evaluation
  • Macular degeneration
  • Diabetic eye exams
  • Medication-related eye monitoring

Most eye conditions are classified as medical by insurance guidelines, even if a glasses prescription is updated during the visit.

Yes.

Even if we are out-of-network with your insurance plan, you may still receive care at Homer Eyecare.

  • In-network: We have a contracted rate with your insurance.
  • Out-of-network: We do not have a direct contract, but you may still have benefits depending on your plan.

Coverage levels vary widely. For detailed questions about deductibles, reimbursement rates, or out-of-network benefits, please contact your insurance carrier before your appointment.

We verify insurance benefits as a courtesy.

To help us provide the most accurate estimate of your coverage, please provide:

  • Current insurance information
  • Policyholder details
  • Insurance cards
  • At least 48 hours before your appointment

Providing information early allows us to:

  • Verify eligibility
  • Confirm whether medical or vision benefits apply
  • Estimate patient responsibility more accurately
  • Minimize unexpected charges

Incomplete or late information may limit our ability to verify benefits before your visit.

Insurance verification is not a guarantee of payment.

Even if:

  • You paid a copay at check-in
  • We verified your benefits
  • Your insurance states a service is “covered”

You may still receive a balance.

Common reasons include:

  • Unmet deductibles
  • Separate medical vs. vision deductibles
  • Co-insurance percentages
  • Services processed under medical benefits instead of vision
  • Mid-year plan changes
  • Insurance processing differences

Any portion not paid by your insurance plan is the responsibility of the patient.

  • Copays, known deductibles, and outstanding balances are due at the time of service.
  • Remaining balances are billed after insurance processing.

Every insurance plan is different — even within the same company.

For detailed coverage questions, we strongly encourage patients to call their insurance carrier before their appointment.

Being informed helps you make confident decisions about your care.

Insurance & Eye Care in Homer, Alaska — Made Clear

Clear vision. Clear communication. Clear billing.

If you have questions before your appointment, we’re happy to help.

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Homer Is Our Home

HOMER EYECARE
3726 Lake St
Suite A,
Homer, AK 99603

907-531-8822
Phone: 907-531-8822
‍Fax: 907-531-8855
‍Email: team@homereyecare.com
Hours:
Monday: 8:30 AM - 5:30 PM
Tuesday: 8:30 AM - 5:30 PM
Wednesday: 8:30 AM - 5:30 PM
Thursday*: 9:30 AM - 5:30 PM
Friday: 8:30 AM - 5:30 PM
Saturday - Sunday: CLOSED
*Every first Thursday of the month we open at 12:30 PM

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