Insurance We Accept
We work with most major vision and medical insurance plans in Hawaii — including HMSA, VSP, Tricare, AlohaCare, Medicare, and Medicaid.
HMSA
Medical & VisionHawaii's largest insurer. We accept HMSA for both routine vision exams and medical eye care visits.
UHA
Medical & VisionUniversity Health Alliance plans accepted for vision and medical eye care.
UnitedHealthcare (UHC)
Medical & VisionUHC plans accepted for vision exams and medical eye care.
AlohaCare
MedicalAlohaCare Medicaid plans accepted. Our office serves Hawaii's underserved communities.
VSP
VisionVSP Vision Care accepted — one of the most widely used vision insurance plans for employees.
EyeMed
VisionEyeMed vision benefits accepted for comprehensive eye exams and contact lens evaluations.
Tricare
MilitaryTricare Standard accepted for active duty military and their dependents.
Tricare for Life
MilitaryTricare for Life accepted — Medicare wraparound coverage for retired military.
Tricare Retirees
MilitaryTricare Retired Reserve and retiree plans accepted.
Medicare
FederalMedicare Part B covers medically necessary eye exams for conditions like diabetic retinopathy and glaucoma. Does not cover routine vision exams.
Medicaid
FederalHawaii Medicaid (Med-QUEST) accepted. Call us to verify your specific plan.
Tip: Insurance plans and coverage details change frequently. We recommend calling your insurance plan directly before your appointment to verify your eye care benefits. You can also call us at (808) 455-5650 and our staff will do their best to help.
Insurance Questions
What's the difference between vision insurance and medical insurance for eye care?
Vision insurance (VSP, EyeMed) typically covers routine eye exams, glasses, and contact lens evaluations at a set copay. Medical insurance (HMSA, Medicare, Tricare) covers eye care that is medically necessary — such as eye exams for diabetic retinopathy, glaucoma evaluation, urgent eye care, and treatment of eye diseases. In many cases, we can bill both your vision AND medical insurance for the same visit.
Does Medicare cover eye exams?
Medicare Part B does NOT cover routine vision exams (for glasses or contacts). However, it DOES cover medically necessary eye exams — for example, annual diabetic eye evaluations, glaucoma screening for high-risk patients, and treatment of eye diseases. If you have diabetes or are at risk for glaucoma, your Medicare exam may be covered.
What if I don't have vision insurance?
We welcome patients without insurance. We offer self-pay rates for comprehensive eye exams and contact lens evaluations. Please call us for current pricing.
Do you accept military insurance?
Yes — we accept Tricare, Tricare for Life, and Tricare Retired Reserve. We serve a significant number of military and veteran families from Pearl City, Aiea, and West Oahu.
How do I know what my insurance covers?
The easiest way is to call your insurance plan directly and ask about your eye care benefits before your appointment. You can also bring your insurance card and we will help verify your coverage when you arrive.
Ready to Schedule?
Bring your insurance card — we'll handle the rest.