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Insurance Information

OMNI Eye Specialists participates in many major health insurance plans. Coverage varies with each patient and insurance company. It is your responsibility to know your benefits. Our staff will assist you in determining your eligibility prior to your appointment.

Current Insurance Participation

Our insurance list is subject to change and may not include every single carrier we accept. We encourage you to give us a call to confirm your insurance with us before making an appointment.

  • AARP
  • Aetna
  • Aetna Vision
  • Alterwood
  • American Postal Worker
  • American Workers Insurance
  • Amerigroup (Wellpoint)
  • Bankers Life
  • Blue Choice HMO (referral from PCP required if open access is not listed on the card)
  • Blue Cross Blue Shield
  • Carefirst Advantage Plan (ONLY with ID# starting with MD)
  • Carefirst Blue Cross Blue Shield
  • Cigna
  • Cigna Health Springs (NOT total care)
  • Cigna Vision
  • Coresource
  • Davis Vision
  • Electrical Welfare Trust Fund
  • Electrical Workers Fund
  • EyeMed
  • FEP Blue Cross Blue Shield
  • FEP Blue Vision
  • GEHA
  • Gerber
  • Humana
  • Humana Vision
  • Humana Medicare Advantage
  • Johns Hopkins EHP Vision
  • Johns Hopkins EHP
  • Johns Hopkins US Family Health (referral from PCP required)
  • Medicare MD
  • Meritain Health 
  • Mutual of Omaha
  • Omaha Insurance CO
  • Railroad Medicare
  • Spectera Vision
  • Teamsters Local
  • Tricare For Life
  • United Health Care
  • United Health Care Community Plan
  • United Health Care Community Plan - Medicaid
  • United Health Care Optimum Choice (referral from PCP required)
  • United Health Care MDIPA (referral from PCP required)
  • University of Maryland Advantage Plan

NOTE: This is only a summary of our accepted insurances and exact insurance plans can be verified by contacting our billing department. For further information, or if you have questions about your statement, please contact our billing department at 410-571-9770.

What is the difference between a “Vision Exam” and “Medical Exam”?

Insurance coverage for eye exams varies. Some plans only cover routine, “well eye” exams. Other plans will not pay for your exam unless you have a medical eye condition or disease.  Some plans require a referral from your primary care physicians. Be sure to check your policy(s) to determine your coverage prior to your appointment.

Vision Exam

There are routine or “Well Vision” exams for people who have no eye disease or symptoms of disease. Your eyes will be examined for any needed correction (glasses or contact lenses) or any potential indicators of eye disease. If your doctor finds anything abnormal during your vision exam, further testing of a medical nature may be needed at another visit.  In that case, your medical insurance would be billed.

Routine vision eye exams do not qualify for prescribing medications. Yearly diabetic eye exams will not be billed to insurance under vision coverage.

Medical Exam

This is a medically necessary comprehensive examination for the diagnosis and treatment of diseases and conditions of the eye performed by a physician/surgeon. This exam evaluates the reason for the symptoms and assesses any treatment needed.  Some conditions evaluated with medical eye exams included cataracts, glaucoma, diabetic retinopathy, macular degeneration and many other potentially sight-threatening diseases.

Refraction Fee Notice for Patients

There are two parts to your eye examination, which are billed separately.

  • The first charge includes the fee for the doctor to evaluate the health of your eyes. This charge is billable to your insurance company, and also to Medicare.
  • The second (vision) portion of your exam is called a “refraction,” which is a test performed to determine the best corrective lenses to be prescribed for each eye.

Although a refraction is a very important vision test, it is considered a non-medical procedure. Medicare and most insurance plans do not pay for this service, the fee of which is now $65.00, effective March 1, 2023.

We request that payment for this service be made at the time of your visit. Thank you.