Our Insurance  & Payment Options

Modern Eyes Optometry provides both routine vision care and medical eye care in Carlsbad. Because coverage can vary by plan and by the reason for your visit, our team can help you understand whether your appointment is typically filed through vision benefits or medical insurance.

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HSA & FSA Options & Questions About Your Plan

Many patients use Health Savings Accounts (HSAs) or Flexible Spending Accounts (FSAs) to cover eligible eye care expenses.

If you’re planning to use HSA/FSA funds, we recommend confirming eligibility with your plan administrator, as covered items may vary by account rules and the type of service provided.

If you do not see your insurance plan mentioned on our website, or if you’re not sure whether your visit is medical or routine, please call our Carlsbad office at (760) 678-0008.

We can help you understand what information to bring and what to expect before your appointment.

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Medical & Vision Plans We Accept

Medical insurance is typically used when your visit involves diagnosing, monitoring, or treating an eye health condition. At Modern Eyes Optometry, services that are commonly billed to medical insurance may include:

  • Glaucoma management

  • Treatment for eye infections

  • Evaluations for flashes and floaters

  • Retinal detachment screening

  • Diabetic eye exams with reporting to your primary care provider (PCP)

  • Macular degeneration detection with referral when appropriate

  • Dry eye evaluations and treatment planning, depending on diagnosis and your plan

Coverage varies by plan and medical necessity, so benefits are determined by your insurer.

Vision insurance is most often used for routine eye care related to vision correction. Services that are commonly billed to vision plans may include:

  • Comprehensive eye exams

  • Contact lens exams and fittings

  • Prescription glasses and prescription sunglasses

  • Lens options and coatings, depending on your plan