At Garbig Family Eye Care, one of the most common questions we hear is: “Do you take my insurance?”
Whether you're planning a routine eye exam or seeking treatment for a medical eye condition, we’re here to help you understand how vision and medical insurance work at our practice.
Below are the most frequently asked questions we receive from patients about insurance coverage.
Do you accept in-network insurance?
Yes! If your insurance is in-network with us:
- We confirm your coverage when you call to schedule.
- Our team checks your benefits in advance to avoid surprises.
- You’ll typically pay a copay at your appointment.
- We’ll handle the insurance billing on your behalf.
What if my plan is out-of-network?
You can still visit us! Here’s how it works:
- Patients with out-of-network insurance are welcome.
- You’ll pay for your services at the time of your visit.
- We provide a detailed receipt you can submit to your insurer for potential reimbursement.
What does vision insurance typically cover?
We accept two major vision insurance plans, which usually include:
- Routine eye exams with a standard copay
- Eyewear and contact lenses, either through discounts or set allowances
- Coverage that depends on lens types like single vision, progressive, or computer lenses
We review and explain your benefits before your visit so there are no surprises.
What does medical insurance cover?
Medical insurance comes into play when you have a diagnosed eye health issue, such as:
- Dry eye syndrome
- Red or infected eyes
- Macular degeneration
- Cataracts
- Other eye diseases
In these cases:
- Your medical plan is billed instead of your vision insurance.
- A copay is typically required during your visit.
What’s the difference between a copay and a deductible?
Understanding these two terms can help avoid billing confusion:
- Copay: A fixed amount (e.g., $10–$20) paid at the time of your visit.
- Deductible: The out-of-pocket amount you must pay before your insurance kicks in.
If your deductible hasn't been met, you may owe more than just the copay.
Still Have Questions?
We’re happy to walk you through your insurance options. Whether you’re a new or returning patient, our friendly team is here to make your visit smooth and worry-free.
📍1400 Gloria Terrell Drive, Suite H, Wilder, KY 41076 📞859-208-2588 🌐 Book an appointment
Garbig Family Eye Care — Personalized care. Clarity in coverage.
