Gulfcoast Eye Care accepts Medicare and most medical insurance plans. For example, we accept AARP/Secure Horizons, Aetna, Beechstreet, Blue Cross/Blue Shield, Cigna, Coventry, Humana (NOT all Humana plans however), iCare, Mail Handlers, Tricare, and United, just to name a few. We do NOT accept Freedom, Human Gold Plus, Medicaid, or Wellcare. We are able to see many patients who have the combination of Medicare and Medicaid. To inquire as to whether we accept your particular plan, please contact our office.
*Coverage for ambulatory surgical centers where we operate may vary, so please contact the respective surgery center for more information.
Co-payments, co-insurance, deductibles, and refraction fees are due at the time of your visit. We accept Cash, Checks, Visa, Mastercard, Discover, and American Express. Learn more about eye surgery financing here.
We are frequently asked about the difference between medical and vision insurance.
Vision insurance plans like EyeMed and VCP, for example, are for routine vision care only. Routine vision exams are simplified eye examinations given for the purpose of checking for new eyeglass or contact lens prescriptions. Typically patients may only use their vision plan examination once every one to two years. Vision plans are appropriate only if there are no active eye problems and no history of eye diseases like cataracts, dry eye, glaucoma, or macular degeneration.
Medical insurance frequently covers a medical eye examination for problems including eye irritation or pain, eye redness, or decreased vision due to cataracts or any other medical conditions that are NOT covered by vision plans. During your visit with us, it may be necessary to perform an additional test called a refraction. This is the measurement that your doctor or technician takes to determine changes in your eyeglass prescription or, if you do not wear glasses, to see if they may now be required. This test is performed on your first visit with us, your annual visit, and anytime your vision drops significantly. Even though it is a vital test to the care of your eyes, the refraction is a non-covered service through Medicare, Tricare, and many other insurance plans. There is a fee for this test and you will be asked to pay for your refraction at the time of your visit.
In most cases, medical insurance and vision plan insurance CANNOT be used at the same visit. For patients electing to be fit for contact lenses, the fitting fee will vary by the type of contact lens being fit. Please call us for the most current information about any of these fees.