Financing & Insurance

We Make Great Vision Affordable with 0% Payment Plans

At Carolinas Centers for Sight, we offer many payment options.

These include cash, check, credit card, flex spending/HSA, or monthly payment plans. The financing options range from 0% interest for 12 or 24 months to low interest plans for up to 60 months! Nothing should get between you and great vision.

You can use CareCredit for purchases. You only pay interest if you elect the 60-month plan, if your account is not paid in full within 12-24 months, or if you make a late payment. Minimum monthly payments are required.*

Start Your Application. Click Here to Apply.

* If promo and debt cancellation are not paid in full within 12 months, interest at APR 26.99% will be assessed from purchase date. If account goes 60 days past due, promo may be terminated early and accrued interest will be billed. As of 11‑1‑2010, Purchase APR 26.99%; Penalty APR 29.99%. Minimum Interest $2. Existing cardholders refer to your current credit agreement for rates and terms. Subject to credit approval.

Health Insurance and Payment Plans

Please see the list of health insurance plans with whom we are contracted at the bottom of this page.

Carolinas Centers for Sight is a contracted provider for a large number of health plans including Medicare, Medicaid, BCBS, VSP, EyeMed, United, Aetna, and many more.

If we are contracted with your plan, then we will file a claim with your insurance plan. You will be responsible for any co-payment or deductible that your plan applies. Medicare Part B deductible for 2022 is $233. If you do not have secondary insurance, you may owe co-insurance as well. If you have a secondary, then it generally pays the 20% subject to any other deductibles the secondary may include. If you have a Medicare Advantage plan or a commercial insurance plan, co-payments vary by plan. Early in the year, many patients will have some financial responsibility to their provider until their deductibles are met. Along with copays, deductibles, and co-insurance, the “out-of-pocket” costs are increasing. Consider using a Flex Spending or Health Savings Account to cover your costs.

Please bring your insurance card and photo ID to each visit.

While we are happy to assist with your insurance questions, it is helpful for you to understand your particular coverage. We encourage you to call your insurance company or visit their website to understand your unique benefits and financial responsibility. If your insurance carrier requires a referral, then please contact your primary care physician and request a referral for Carolinas Centers for Sight.

FAQ

With a medical diagnosis, your health insurance will cover the exam excluding any co-pays, deductibles, etc.. Vision plans cover routine eye examinations and offer coverage for glasses and/or contact lenses. We would be happy to verify your benefits when you book an appointment. If you are uninsured or self-pay, the exam fee is $125. Vision plans and what the patient is responsible for paying can vary greatly. We are here to guide you through your visual options and potential out-of-pocket fees. In some cases, a patient may come in for a routine vision eye exam, which would be filed under your “vision” plan. However, if your doctor uncovers a “medical” eye-related issue, this would mean we would have to file your “medical” insurance instead of your “vision” insurance. Regular eye exams are important to maintaining good eye health. They are essential to detecting vision problems.

Although laser eye surgery is considered an elective or non‑covered service, as a contracted provider for most insurance companies, there are some savings available. Please contact Carolinas Centers for Sight at (843) 664-9393 for a verification of your benefits.

Ultimately, you are responsible to ensure your doctor is paid for their service to you. Daily, we struggle for compensation from insurance companies and are extremely grateful for our patients who take a proactive stance with an unpaid claim. Insurance companies are supported by you and promptly respond to your inquiries.

Our policy is to collect at the date of service. All non-covered surgical services may be due prior to the procedure. The hospital or surgical facility also requires lens implant payments in advance of the surgery. Carolinas Centers for Sight accepts most major credit cards including VISA, MC, Discover, American Express, Debit cards, personal checks, and cash. Another payment alternative we offer for our patients is Care Credit. Click here to apply.

Insurance Providers

If you do not see your plan listed, please call us at (843) 664-9393.

Blue Cross Blue Shield Plans Accepted

BCBS of SC PPO and HMO commercial plans
Blue Choice Healthplan PPO and HMO plans
BCBS State Health Plan
BCBS State Health PlanBCBS Federal Employee Program (FEP)
BCBS Essentials PPO (Marketplace plan)
Blue Choice Blue Option (Marketplace plan)
BCBS Medicare Advantage PPO
Out-of-state BCBS PPO plans

Medicare Plans Accepted

AARP Medicare
Aetna Medicare PPO
BCBS Medicare Advantage PPO
First Choice by Select Health Dual VIP Care Plus
Humana Medicare PPO and HMO plans
Molina Dual options-Healthy Connections Prime
Traditional Medicare and Railroad Medicare
United Healthcare (UHC) Medicare and UHC Dual HMO-PPO plans
Devoted Health
Wellcare by Allwell and Wellcare Prime Dual plan

Medicaid Plans Accepted

Absolute Total Care Medicaid
First Choice by Select Health Medicaid
Healthy Blue by Blue Choice of SC
Humana Healthy Horizons Medicaid
Molina Medicaid
SC Healthy Connections Medicaid

Commercial Health Insurance Plans Accepted

AETNA
Ambetter by Absolute Total Care (Marketplace plan)
BCBS (see above for details)
CIGNA
Humana
Multiplan – PHCS – Beech Street
Medcost
Molina Marketplace plan
Planned Administrators (PAI)
Tricare
United Health Care

Vision Care Plans Accepted

Avesis
Community Eye Care
Envolve
Eyemed
March Vision
Physicians Eyecare Plan
Physicians Eyecare Network
Spectera
Superior
VSP