Insurance and Payments

image of front desk assistant helping person fill out paperwork.

We recommend that you check with your insurance company prior to scheduling your appointment and verify that we are in network with your plan. If using a medical insurance ask if you have met your deductible so you will know to plan on paying for the visit or if we will be billing your insurance.

When you schedule your appointment with us, we will verify that we are in network with your insurance and that you are eligible on the date-of-service so that we are able to go over your benefits with you the day of your appointment and answer any questions you may have.

We request that you provide us with both vision and medical insurance if you have both. If you have any eye health problem or systemic health problem that has ocular complications we will need your medical insurance information. Our doctor will determine if these conditions apply to you, although some are determined by your health history. In some cases it may be necessary for us to bill some services to a medical plan and other services to your vision plan. 

Vision care plans are billed for routine vision exams and most contribute toward eyeglasses or contact lenses. 


Always Care
Arizona Pipe Trades
Blue Cross Blue Shield
Davis Vision
Health Net
Humana (VCP)
Medicare (Medical and Post Cataract)
Met Life
National Vision Administrators (NVA)
Spectera Vision
United Health Care
Vision Benefits of America (VBA)
Vision Care Direct (VCD)
Vision Service Plan (VSP)

If your plan is not listed, please call our office as our participation may change without notice.

At Northern Avenue Eye Care, our goal is promote good eye health and enable you to have the clearest vision possible. We accept several types of vision insurance, cash, checks, and most credit cards. We inform our Phoenix patients about exam and treatment costs at the beginning of your appointment. If you require a breakdown of costs, please let us know.

Vision Insurance

The knowledgeable staff at Northern Avenue Eye Care is experienced in working with vision insurance providers. We will work directly with you and your vision insurer to submit claims regarding your vision care. We strive to ensure that you understand your insurance coverage and will answer any questions you may have regarding your benefits. Many current vision plans are designed to cover many of the basic vision-related costs, but not all costs associated with eye care. Most plans often require a co-payment for an office appointment as well as additional costs that are covered by the insured patient.

Contact our office at (602) 995-8848 to find out if your insurance provider is accepted in our office or for more information about your vision coverage.

Flexible Spending Accounts

Many employers are offering Flexible Spending Account (FSA) options to employees. Sometimes these are referred to as cafeteria plans and are elective, supplemental insurance savings plans. These plans are designed to let you save money in an account, pre-tax, to pay for additional medical expenses such as eye exams, glasses, contacts, and often laser vision surgery. Check with the benefits administrator at your work to see if you are eligible for this program. FSAs can typically be used in conjunction with any vision insurance plan to offset any out-of-pocket costs on your behalf.

Other Payment Options

Our Phoenix optometry staff understands that cost is a concern when evaluating vision care providers. We do not want cost to be an obstacle to maintaining proper eye health and good vision. We accept various forms of payment and are able to discuss financing options with you prior to any examination. At Northern Avenue Eye Care, we also accept cash, Sightbox, and major credit cards. Call (602) 995-8848 today to schedule your eye exam today.

NO CHECKS....Sorry.


CareCredit for better vision 
When to have your vision procedure should be the question, not how to pay for it. We'd like to make that decision even easier for our patients. That's why we're pleased to offer the CareCredit  card, North America's leading patient payment program. CareCredit lets you begin your procedure immediately  then pay for it over time with  monthly payments that fit easily into your monthly budget. Now you don't have to save up for years to finally get the vision you've always wanted. We'll help you see clearer, sooner.

Your healthcare credit card
CareCredit is the credit card exclusively for healthcare services. CareCredit offers  monthly payment  plans for healthcare procedures not commonly covered by insurance, including LASIK. Don't put off improving your vision. Get your procedure now.

For vision procedures, CareCredit offers: 
    -Minimum monthly payments
    -No up-front costs or pre-payment penalties

Learn more by visiting or contacting our office. Ready to apply? Apply online for your CareCredit card today.  [Apply now]

Contact Us

We look forward to hearing from you.


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Hours of Operation

Our Regular Schedule

Phoenix Office


9:00 am-6:00 pm


7:00 am-4:30 pm


9:00 am-5:00 pm


9:00 am-6:00 pm


8:00 am-2:00 pm


By Appointment Only