For both adults and children alike, eye exams are an important part of one’s general health maintenance and assessment. Your eyes should be checked regularly to ensure that you are able to see as best as possible.

Insurances Accepted

We accept Medicare, PPO, HMO, vision plans, and have cash payment options.  Our insurance coordinators deal with many insurance companies and we are happy to answer questions and assist you in any way possible. However, we cannot guide you in your choice of insurance coverage.

Because many employers frequently change insurance policies, it is sometimes difficult to accurately estimate a patient’s insurance coverage and co-payment. Many insurance companies cannot guarantee coverage for a visit until after the visit is completed. As a courtesy, we ask that you keep us informed of any change in your insurance. It is important that all information is current.


All co-payments are payable when you check in at the front desk.  We also do collect co-payments for all post-operative appointments.

Vision Plans

Vision plans typically cover routine annual exams, including exams for glasses and contacts.  Typically, medical problem with the eye beyond a need for glasses are covered not by vision plans but by medical plans, such as HMO, PPO, and Medicare plans.  

We accept VSP, MES, Eyemed and Spectera vision plans for routine eye exams, glasses or contact lenses.

HMO Patients

We participate with Arch Health Partners, Sharp Community Medical Group, Inland North and Scripps Health, Escondido.  Patients,

Please contact your primary care physician for referral to any specialist, including our office.  Obtaining a medical referral is a patient’s responsibility. We cannot obtain a referral for your first visit.  If you do not have a referral, we will be happy to see you on a cash basis, but your medical insurance company will not pay for your visit or treatment.

We will request authorization for all follow up visits and tests, as needed related to your first referred visit to our office.

Medicare Patients

As a courtesy we bill your secondary insurance for any deductible and co-insurance. If you have no secondary insurance, you are responsible for any deductible and co-insurance.  If Medicare denies your office visit or procedure, you are responsible for the charges. We do bill your secondary insurance as a courtesy.

Non-Insured or Out of Network Patients

We understand that not everyone has insurance and healthcare can be very expensive.  We offer fair cash price options for those patients who do not have insurance for initial and follow up appointments.

Private & Group Insurance

As a courtesy, we will file your insurance claims for you. Upon receipt of an insurance payment, any balance due will be billed to you. If you have any questions, please ask our staff. They are well informed and up-to-date on all matters of Insurances that we contract with.

The following list contains many of the medical insurance companies we participate in.  Please note that this is not a complete listing:

AARP Healthnet Sentinel Plan
Advanced Benefit Solution Healthscope Benefits Inc. Sharp Community Medical Group
Aetna Horizon Healthcare Sharp Direct Contracts
Aftra Health Fund I.C.W. Group Sharp Health Advantage
Aig Ilwu-Pma Coastwise Indem. Sharp Health Plan
Allied Insurance Center Shasta Admin. Services
Ama Insurance Iron Workers Local Shasta Administrative Ser
Ameriben Laborers Health and Welfare Fund Sheet Metal Workers
American National Liberty Mutual Sheriffs Medical Service
Anthem Blue Cross Loomis Benefits West Southern Ca Physician
Applied Risk Services Mail Handlers Benefit Southern California Bakery Drivers
Apwu Health Plan Medi-Cal Southern California Pipe Trades
Arch Health Partners Medical Eye Services Southwest Administrators
Assurant Health Mediplus/the Hartford Southwest Carpenters Ins.
Bankers Life Mega Life & Health Ins Co Specialty Risk Service
Beech Street MERITAIN HEALTH Spectera Claims Dept.
Ben-E-Elect Midwest National Life Standard Life
Blue Shield Motion Picture Health Pla Standard Life Insurance
Brms Mutual Of Omaha Star Hrg
Ca. Field Ironworkers Mvp Health Care Starmark
CCN Nalc State Farm Health Insurance
Cigna Nassco Strategic Resource Co
Colonial Penn New York Life Insurance Superior Administrators
Conseco Health Ins. Co. Ngs American, Inc. Superior Vision Services
Continental General Ins Operating Engineers Teamsters & Food Empolyer
Coresource Oxford Health Plans The Empire Plan
Coventry Health Care Pacificare The Plan Handlers
Covered California Health Plans Physicians Mutual Tig
Csa Pinnacle Claims Mgmt, Inc Tpa
Design Benefits Admins. Pioneer Life Transwestern Insurance
Directors Guild Of Ameri. Plummers Local Union Travelers Insurance
Ebms Primecare Med. Group Tem. Tri Star Claims
Employee Benefit Admin. Principal Life Ins. Co. Tricare For Life
Esis Railroad Medicare Tristar Risk Management
Eyecare America Rural Carrier Benefit Ufcw Bay Area Health
Eyemed, The Eye Care Plan S.D. County Laborers Plan Ufcw Unions & Food Bene.
Farmers Insurance S.D. County Schools/jpa UMR/AMA
First Health S.D. County Teamsters Unicare
Food Employers & Bakery S.D. Electrical Health Union Labor Life Ins Co
Fra Insurance Plans S.D. Phys Med Group Unisys Benefits
Ge Health S.D. Schools Fringe Bene. United American Insurance
Geha S.D.& Imperial Co. School United Commercial Travelers
Ghi Sag-Producers Health Plan United Healtcare M/c Pffs
Graybill Commercial Health Plans Samba United Health Care
Great West Scan Health Insurance United Teachers Assoc
Guardian Schaller Anderson Universal Care
Hanover Ins. Scripps Escondido Us Behavioral Health Plan
Harrington Benefit Service Scripps Secure Horizons Usaa Life Insurance Co
Hartford Life & Accident Secure Horizons VSP
Health Design Plus Secure Horizons Direct Washington National Ins.
Health Scope Benefit Security Life Insurance Web-Tpa
Health Systems Int’L Sedgewick Wellcare
Healthchoice Select Benefit Western Growers Assur Tr.
Healthcomp Select Staffing World Insurance Company
Healthfirst Senior Service Med Plan Writers’ Guild Health

You are in good hands….