Contracted Insurances

We accept most major MEDICAL insurance plans including:

Aetna

AARP*

BCBS

First Choice Health*

Humana PPO

Kaiser Permanente (PPO Only)

Regence*

Medicare

Premera*

Tricare - (with authorized referral)

UnitedHealthcare

* Note: All HMO insurance plans require a referral from the patient's primary care doctor.

Please call your Primary Care Provider to obtain an authorized referral from your insurance to come and see us at least two weeks prior to your appointment.

We are not in-network with the following plans:

Apple Health

Ambetter

Amerigroup

Community Health Plan

Coordinated Care

Humana Gold Plus

Humana HMO

Kaiser Permanente (We accept the PPO plan ONLY)

Molina Healthcare

Provider One (as secondary insurance OK)

Seoul Medical Group

Seattle Medical Group

UW Medicine Network

UnitedHealthcare Vision PPO

Spectera Eyecare Network

Virginia Mason Network

Eyemed

FEP Bluevision

Bluevision

Spectera

VSP Vision

Davis Vision

Northwest Benefits Network (NBN)

Need Help Selecting A New Insurance?

Choosing the right insurance for you can be confusing and frustrating. Follow the link below to Medicare's website on "Joining a health or drug plan" to help you choose.

Find out more

Insurance in Eye Care

Medical Insurance for Medical Conditions

Medical insurance covers visits related to a medical diagnosis:

MEDICAL Diagnoses:

Blepharitis (inflammation of the eyelids)
Cataract (thickening of the natural lens)
Conjunctivitis (inflammation of the conjunctiva)
Drusen (deposits in the retina)
Dry Eye (physical and visual discomfort)
Glaucoma (damage to the optic nerve)
Macular Degeneration (damage to the retina)
And others

Symptoms:

Redness
Dryness
Pain
Foreign body sensation
Itching
Flashes
Floaters
Double vision
Sudden loss of vision
Headache
And others

Medical insurance covers the exam and diagnostic tests like visual field, nerve scan, retina scan, etc.

Vision Insurance for Vision Conditions

Medical Insurance for Medical Conditions

Vision insurance covers a routine eye exam.

VISION Diagnoses:

Hyperopia (farsightedness)
Myopia (nearsightedness)
Astigmatism (abnormal curvature of the cornea)
Presbyopia (inability to read up close over time)

Vision insurance covers the procedure to measure a glasses prescription (refraction) and may also pay for a portion of your actual hardware like lenses, frames, and contact lenses.

What does this distinction mean for your insurance coverage?

Because the need for glasses is not the result of illness or injury, Medicare and many other insurance companies do not consider this test “medically necessary” and therefore don’t cover this part of the exam under medical insurance.

What does that mean?

A refraction (glasses prescription) treats a vision diagnosis according to insurance companies.

Medical insurance covers medical conditions and medical treatments.

Needing glasses is not considered a medical condition to insurance companies.
A refraction (glasses prescription) is not covered by medical insurance because it treats a vision issue, not a medical issue, in the eyes of medical insurance companies.

Because a refraction is not covered by any medical insurance, all glasses prescriptions dispensed have an out-of-pocket cost.

Swedberg Eye Care is not in-network with ANY vision plan:

This means we are not contracted with:

VSP
Eyemed
Spectera
Premera Vision
Regence Vision
Aetna Vision
Cigna Vision
Or any other provider of vision insurance

This means that we are out-of-network and do not have the permission to bill your vision plan.

If you have a vision plan, you may have the option to pay for the refraction out-of-pocket and bill your insurance plan for reimbursement if you have out-of-network benefits.