Before You Visit

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Keeping vision and eyes healthy is an important part of overall health for both children and adults.

Insurance coverage for eye exams can be a confusing topic. How often you should see an eye doctor for various medical eye conditions is at the discretion of your doctor following standard guidelines. The information below is a brief and general overview of how medical and vision plans generally work. One important note: it is your responsibility to understand how your plan works and what is covered. If you have questions about your plan, call the number on your insurance card. By understanding how your plan(s) work, your office visits will be more pleasant and productive.


Keeping vision and eyes healthy is an important part of overall health for both children and adults.


Vision insurance and medical insurance are two different types of insurance policies covering different aspects of healthcare.

Medical insurance, also known as health insurance, covers a wide range of healthcare services, including doctor visits, hospital stays, surgeries, prescription drugs, and other medical treatments. This type of insurance helps to pay for the cost of medical care, which can be very expensive without insurance coverage. Medical insurance can be purchased through employer, the government (e.g. Medicare, Medicaid), or individually through an insurance provider.

Vision insurance covers routine eye-related services with the absence of a medical reason for adjustment of the prescription for glasses or contact lenses. Vision insurance can also be purchased through an employer or an insurance provider. It is always best to check with your insurance provider to see what services are covered under policy.

A Few Examples of What Insurance Covers

Medical Plan

• Dry Eyes
• Sudden Vision Loss
• Eye Pain
• Double vision
• Pink eye
• Spots/floaters
• Eye injury and/or foreign body
• Diabetic eye exams
• Stye
• Ocular migraines
• Headaches
• Ocular allergies
• Contact lens complications including ulcers
• Glaucoma and cataract diagnosis, co-management, and referrals

Vision Plan

• Myopia (nearsighted)
• Hyperopia (farsighted)
• Presbyopia (difficulty focusing)
• Astigmatism
• Computer eye strain
• Lenses
• Frames
• Contact lenses


What is a “Comprehensive Eye Exam”?

Periodic eye and vision examinations are an important part of preventive health care. Many eye and vision problems have no obvious signs or symptoms, so you might not know a problem exists. Early diagnosis and treatment of eye and vision problems can help prevent vision loss. Each patient’s signs and symptoms, along with Dr. Lucas’ professional judgement, will determine what tests are conducted. A comprehensive eye and vision examination may include, but is not limited to, the following tests.

Patient History - You can complete online before your visit!

Dr. Lucas will ask about any eye or vision concerns you are experiencing, medications you are taking, and any work-related environmental conditions that may be affecting your vision. Dr. Lucas will also ask about previous eye or health conditions you and your family members have experienced.

Visual Acuity

Visual acuity measurements evaluate how clearly each eye is seeing. We use modern computerized charts to measure distance acuity. As part of the testing, you will sometimes read letters or numbers on a near point card as well.

Preliminary Tests

Dr. Lucas may opt to look at specific aspects of your vision function and eye health including eye alignment and movement, focusing, binocular vision, depth perception, peripheral or side vision, pupil responses, color vision, or other tests based on your particular needs.


A refraction determines the lens power needed to compensate for any refractive error (nearsightedness, farsightedness, or astigmatism). Using an instrument called a phoroptor, Dr. Lucas places a series of lenses in front of your eyes and measures how those lenses affect the focus of light in your eye. She will ask you to select between lenses to determine which provide you the clearest possible vision.

Eye Health Evaluation

A wide variety of microscopes, lenses, digital imaging and photography will be used to access the health of the structures of the eye and the surrounding tissues. Dilating eye drops are frequently used to temporarily widen the pupils for a better view of the structures inside the eye for conditions such as cataract, glaucoma, macular degeneration, diabetic damage, floaters, or holes, breaks, or tears in the retina that can lead to a retinal detachment. Dr. Lucas will include an eye pressure measurement as one of the glaucoma tests. These tests can diagnose not only eye disease, but provide a means to assist your primary care physician in the diagnosis and management of systemic health problems as well.

We ask you bring these items to your appointment.

  • Your Eyeglasses and Contact Lenses-wear your contact lenses, bring your glasses
  • A List of Eye or Vision Problems-current and previous
  • Dr. Lucas provides a link on the website for you to complete the necessary paperwork or patient forms.
  • A List of Your Medications and Supplements
  • Your Primary Care Physician Information
  • Sunglasses
  • A Method of Payment
  • Your Insurance Cards-Medical and Vision Cards
  • Your Day Planner

What is a refraction?

A refraction is a test done to determine if glasses will help you see better.

The charges for a refraction are covered by some insurances but not all.

For example, Medicare does not cover refractions - only health-related procedures.

If you have a medical eye problem like cataracts, dry eyes, or glaucoma then Medicare and most other health insurances will cover the medical portion of the eye exam but not the refraction.

Some people have both health insurance, which covers medical eye problems, and a vision plan (vision plans are not really insurance but a discount plan), which provides some level of benefits toward “routine” eye care (no medical problems) such as refractions and eyeglasses after deductibles and co-payments are made up to a certain limit.

What people are saying.

"Absolutely love this office. Dr. Lucas is so personable and takes the time to explain everything (and I ask a lot of questions). I have been a patient for 3-4 years and never had a bad experience. My last visit was today and honestly was fun. Talking with the staff and the Dr. about everyday life. Very nice people and knowledgeable. Highly, highly recommend!"

- T.D.

"This is my go-to optometrist from this point forward. Every person there was extremely helpful, kind, and very intelligent. I felt completely at home and they took every step to make sure everything was sanitized and safe."

- K.W.

"I've been seeing Dr. Lucas for almost 10 years now. She is incredible and extremely kind. I have terrible vision and it is difficult to find a doctor like Dr. Lucas. Even though I have moved to the northwest valley I still drive almost an hour to Chandler to see her, because she is just that good."

- J.R.

"Excellent office staff and doctor. So happy with my exam and the way they protected you from exposure to other patients. Kelly handled my phone calls and was great in helping me with my medical records. Linda fitted me for my glasses and went out of her way to make sure they fit perfectly. Dr. Lucas was extremely nice and gave me a comprehensive exam and was kind enough to answer all my questions! Highly recommend."

- M.P.

"I have been coming to Dr. Lucas for 5+ years, she is by far the best optometrist I have been to and I have been getting glasses/contacts since I was in third grade. The front desk staff is very friendly and that is always appreciated."

- A.L.

"I've seen Dr. Lucas for over 7 years now and she's the best!! I am so happy to have found a great eye doctor with such a friendly staff!"

- D.W.