affiliated eye surgeons | Accepted insurance

Most Major Insurance Plans Accepted

Affiliated Eye Surgeons participates in Medicare and most major medical and vision insurance plans across all three of our Northern NJ locations. Verify your coverage below or call us to confirm before your visit.

Understanding Your Coverage

We believe that navigating insurance shouldn't be a barrier to getting the eye care you need. Affiliated Eye Surgeons participates in most major medical and vision insurance plans accepted throughout Northern New Jersey, and our team verifies your benefits before your visit so there are no surprises at check-in.



Below you'll find our complete list of accepted plans, guidance on understanding the difference between medical and vision insurance, and answers to the questions we hear most often. If your plan isn't listed or you're unsure what's covered, just call your nearest office — we're happy to check for you.

Insurance Plans We Accept

Please note: Affiliated Eye Surgeons does not participate in any Medicaid plans. If your plan is not listed above and you would like to be seen, please call your nearest office before scheduling to discuss your likely out-of-pocket costs.

Medical vs. Vision Insurance

This is the question we hear most often from new patients — and it's an important one to understand before your visit, because the two types of insurance cover very different things.

Medical Insurance

Medical insurance — including Medicare, Aetna, Horizon BCBS, Cigna, and the other plans listed above — covers eye care that is medically necessary. This includes:

• Diagnosis and management of eye diseases — glaucoma, diabetic retinopathy, macular degeneration, cataracts, keratoconus, dry eye disease, corneal conditions
• Evaluation of symptoms — sudden vision changes, floaters, flashes, eye pain, redness, or any eye problem that prompts a visit
• Surgical procedures — cataract surgery (standard IOL), corneal cross-linking, corneal transplants, glaucoma surgery, and most other procedures
• Pre-operative and post-operative visits
• Monitoring of chronic conditions — annual diabetic eye exams, glaucoma check-ups, retinal monitoring

If you are coming in for any medical reason — not just to update your glasses — medical insurance is what applies.

Vision Insurance

Vision insurance — such as VSP — covers routine eye care and hardware. This typically includes:

• Annual routine vision exams (refraction — the glasses prescription test)
• Allowance toward frames and prescription lenses
• Contact lens fittings and a contact lens allowance
• In some plans, a contribution toward specialty lenses

Vision insurance does not cover the medical component of your exam — only the routine vision assessment portion. If both types of coverage apply to your visit, we will bill each appropriately.

If You Have Both

Many patients have both medical and vision insurance. If that's you, bring both cards. Our team will assess the purpose of your visit and bill each plan for the appropriate portion — maximizing your benefits and minimizing your out-of-pocket cost. You do not need to sort this out before your visit; our billing team handles it.

Medicare Patients

Medicare Part B covers medically necessary eye care — including the diagnosis and treatment of eye diseases, as well as cataract surgery with a standard monofocal IOL. Medicare does not cover routine vision exams for glasses or contact lens prescriptions, and does not cover the cost upgrade to a premium IOL (multifocal, extended depth-of-focus, or toric lens). If you are enrolled in a Medicare Advantage plan, coverage details vary by plan — bring your Medicare Advantage card and we'll verify your benefits.

AARP Medicare Supplement plans (Medigap) are accepted and can cover cost-sharing — such as deductibles and co-insurance — for services covered by Original Medicare Part B.

What Is — and Isn't — Typically Covered

Coverage varies by plan and by the medical reason for your visit. The best way to know what will be covered before you arrive is to call us — our team verifies benefits on your behalf.

Insurance by Location

The same plans are accepted at all three Affiliated Eye Surgeons locations. Call the office most convenient to you to confirm your specific plan and schedule an appointment. Not sure if your plan is accepted? Call any of our three offices before your visit and our team will verify your insurance coverage.

Frequently Asked Questions

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