Navigating vision insurance can feel overwhelming, but at Big Sky Eye Care, we make it simple. Whether you have insurance, a high-deductible plan, or no coverage at all, we offer clear solutions to help you access the eye care you need.
This guide will walk you through the insurance plans we accept and introduce you to our Big Sky Savings Plan, an in-house option that ensures affordable eye care for everyone.
Insurance We Accept: What You Need to Know
At Big Sky Eye Care, we accept a variety of insurance plans, but coverage can vary depending on whether your visit is for medical or vision-related services.
Here’s how it works:
- UnitedHealthcare Medicare Advantage – We are in-network for medical eye care services, meaning we can bill UnitedHealthcare directly for medical visits related to conditions like dry eye, cataracts, or glaucoma.
However, we are out-of-network for vision services, such as routine eye exams and glasses. While no providers in the area accept this plan’s vision benefits, we’ll help you explore alternatives to get the care you need.
- VSP & Other Vision Plans – We do accept most EyeMed Plans along with other vision insurance plans. We do not accept VSP. If you have a specific provider, our team can verify coverage details for you before your visit.
- Out-of-Network Reimbursement – If we are not in-network for your vision insurance, you may still be able to submit your receipt for partial reimbursement. Many patients using Spectera can receive out-of-network benefits this way.
Not sure what your insurance covers? Give us a call before your appointment, and we’ll be happy to walk you through your options.
The Big Sky Savings Plan: A Smart Alternative to Vision Insurance
For patients without vision insurance—or those with high-deductible plans—the Big Sky Savings Plan provides an affordable alternative. With a one-time fee of $14.99, you’ll receive 40% off your comprehensive eye exam, significantly lowering your out-of-pocket costs.
Here’s how the savings break down:
- A full comprehensive eye exam typically costs $279.
- With the Big Sky Savings Plan, your total exam cost is reduced to approximately $181 (including the $14.99 enrollment fee).
- The plan also applies to bundled services if you decide to purchase glasses after your exam.
Unlike insurance, this plan doesn’t involve deductibles, co-pays, or complex coverage limits—it’s a straightforward way to save on essential eye care.
How & When to Enroll in the Big Sky Savings Plan
Enrolling in the Big Sky Savings Plan is quick and hassle-free. In fact, we recommend signing up at the end of your visit rather than beforehand. Here’s why:
- If your doctor determines that you need new glasses, you can apply the savings plan discount to both your exam and eyewear in one go.
- Since the plan lasts for one full year from the date of purchase, waiting until your visit ensures you maximize its benefits for any future purchases.
- There's no need to prepay or commit ahead of time—you can decide at checkout whether the plan makes sense for your needs.
Whether you're uninsured, out-of-network, or just looking for a way to save on high-quality eye care, this plan is an excellent alternative to traditional vision insurance.
Making the Most of Your Eye Care Budget
At Big Sky Eye Care, we understand that insurance coverage isn't always straightforward. That’s why we offer flexible options to ensure that everyone can receive top-tier eye care at a price that works for them.
Here’s a quick recap of your options:
✔ Have in-network insurance? We’ll bill your provider directly for covered services.
✔ Using an out-of-network plan? You may be eligible for reimbursement—we’ll provide the necessary paperwork.
✔ No vision insurance or high deductibles? The Big Sky Savings Plan offers a simple way to reduce your costs.
Affordable, Transparent Eye Care in Hamilton, MT
Eye care should never be a financial burden. At Big Sky Eye Care, we’re committed to helping you navigate your insurance benefits and providing affordable options when coverage falls short. Whether you have insurance or not, we’ll work with you to ensure you receive the best possible care for your vision needs.
Want to learn more about your coverage or the Big Sky Savings Plan? Call our office today—we’re happy to answer any questions and help you make the best choice for your eye health!