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Pendleton Eye Center gladly accepts Medicare assignment, and we can bill any PPO plan.

Understanding Insurance: Medical Vs. Optical Insurance

Eye care has a particularly complex relationship with insurance because many people carry both Optical (vision) and Medical Insurance plans.

Optical Insurance:
If all you need is a new glasses prescription, optical insurance is sufficient. Optical insurance pays only for routine eye exams and may offer a discount on glasses or contacts. Medical conditions aren’t covered by optical insurance.

Medical Insurance:
If your eye is red, itchy, or painful, this would be considered a medical condition and you will need to present medical insurance (or make other arrangements for payment) for service. Eye diseases including cataract, glaucoma, macular degeneration, conjunctivitis, foreign bodies, injury, and so on, are all medical conditions and are covered by medical insurance plans. Medical conditions of the eye are NOT covered by optical insurance. If you only have optical insurance, but you come to us with a medical problem, please note that you will be responsible for the costs of your visit. Optical insurance ONLY pays for optical care (glasses and contacts).

We offer financing to help you afford the vision you deserve to live the lifestyle you love.

FINANCING

Alphaeon Credit Card: Affordable Financing for Your Vision Care

Transform your vision without financial stress! Our practice proudly accepts the Alphaeon Credit Card, tailored for health and wellness needs, including cataract surgery, premium IOLs, glasses, contacts, and more. With Alphaeon Credit, you can start your eye care journey today and pay overtime with flexible monthly plans that suit your budget. Don’t let cost delay clearer vision!

Why Choose the Alphaeon Credit Card?

• Flexible monthly payment options to meet your vision care goals.
• Special financing on purchases of $250 or more*—unlike standard credit cards.
• Reuse your card for future treatments for you or your family, no reapplication needed.
• Covers services often not included in insurance, such as LASIK and premium IOLs.
• Check pre-qualification online** with no impact on your credit score.

Take the first step toward better vision.

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Disclaimers:

*$ Subject to credit approval. Purchases must be made using the ALPHAEON CREDIT Card Account, issued by Comenity Capital Bank, which determines credit qualifications and promotion eligibility. Minimum payment is $27.00. Minimum interest charge is $3.00 per plan. Standard variable APR is 32.99% (based on the Prime Rate). Valid for single transactions only.

** A soft inquiry is used to check your eligibility, which will not affect your credit score.

CareCredit healthcare credit card for better vision

There is an easier way to pay for your vision care, including LASIK. We’re pleased to accept the CareCredit credit card, North America’s leading patient healthcare financing program.

CareCredit lets you begin your procedure immediately — then pay for it over time with monthly payments that fit easily into your monthly budget.

Whether you’re considering LASIK, need cataract surgery, or it’s simply time for new glasses or contacts, CareCredit can help you see clearer, sooner.

Payment Calculator

 

Your healthcare credit card

CareCredit is the credit card exclusively designed for healthcare services. CareCredit offers special financing on purchase of $200 or more* for healthcare procedures not commonly covered by insurance, including LASIK and Premium-IOLs. Why put off improving your vision tomorrow, when you can see clearer today?

 

*Subject to credit approval. Minimum monthly payments required. Visit www.carecredit.com for details.

Payment Types Accepted

Payment Options:

• Visa
• MasterCard
• Discover
• American Express
• Personal check
• Cash

Flexible Spending Accounts for Vision Improvement

If a Flexible Spending Account is offered through your employer, you may be able to enroll in this program and save money on your overall cost. These programs allow you to place pre-tax earnings from your paychecks into an account to use for medical costs not covered by insurance. There are restrictions with these plans regarding the timeframe when the money must be used, so make sure you know all of the specific rules of your plan before enrolling. It is also advised to make sure you are a good candidate for the procedure you want prior to enrolling. These are typically Use It or Lose It plans.

Tax Refunds for Vision Improvement

Applying your tax refund toward a vision procedure is one more way to save on vision improvement.

Our staff will be happy to help you understand your options when it comes to affording vision improvement in Oceanside, California.

Health Insurance vs. Vision Insurance: What’s the Difference?

Understanding which insurance applies to your eye care visit can feel confusing. That’s why we created this short video to explain the difference between health insurance and vision insurance, and when each one is used.

View Video

Both health and vision insurance play an important role in keeping your eyes healthy and your vision clear:

• Health insurance generally covers medical eye exams and treatments related to eye health — such as glaucoma, cataracts, or eye injuries.
• Vision insurance helps with how you see day-to-day. It often covers routine eye exams, prescription glasses, contact lenses, and other vision services.
• Some plans (like Medicare) may cover certain medical services but not routine refraction tests for glasses prescriptions.
• Even if adult vision benefits aren’t included, most health plans provide children’s vision services.

To make the most of your benefits, please:

• Bring both your health insurance card and, if you have one, your vision insurance card to your appointment.
• Provide a printed list of all current medications.

Ask our friendly staff any questions — we’re here to help.

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