Insurance and Payment Options

It depends on the nature of your visit. If you're coming in for a routine eye exam and prescription update with no symptoms or medical concerns, that's typically billed to your vision plan. However, if we discover or are monitoring a medical condition—like glaucoma, diabetic retinopathy, dry eye disease, or cataracts—those services are billed to your vision insurance, and will show up as a co-pay. If you would rather to pay out of pocket and then submit for re-imbursement to your medical insurance, that is your choice. Sometimes an exam starts as routine but becomes medical based on our findings, which will cause the exam to stop. If this should happen to you, we will refer you to an in-person Optometrist or Ophthalmologist which will bill your exam through your medical insurance. Should an exam be hard stopped due to a medical reason, you will not be charged for the exam by us.

Original Medicare Part B generally does not cover routine eye exams or refraction (the test that determines your glasses prescription). However, Medicare Part B may cover medically necessary eye exams if you have diabetes, are at high risk for glaucoma, or are being treated for an eye disease or condition at an in-person Optometrist. Many people have a Medicare Advantage plan or supplemental vision coverage that does cover routine exams. Because Medicare coverage can be confusing, we strongly recommend calling us at 603-662-0389 before your appointment so we can verify your specific benefits and let you know what to expect for out-of-pocket costs.

Absolutely! We encourage you to call us at 603-662-0389 or email This email address is being protected from spambots. You need JavaScript enabled to view it. with your insurance information before you schedule. We'll verify your coverage, explain your benefits for exams and eyewear, let you know about any copays or deductibles, and answer any questions you have. This way you'll know exactly what to expect and can make informed decisions with no surprises at checkout. Having your insurance card handy when you call makes the process quick and easy.

We accept major credit and debit cards, HSA and FSA cards, cash, checks, Apple Pay, and Google Pay. For eyewear purchases and eligible services, we also offer CareCredit financing, which provides flexible payment plans including promotional interest-free periods. CareCredit can be especially helpful for larger purchases like progressive lenses, specialty frames, or multiple pairs of glasses. Our team can provide cost estimates for eyewear before you commit and help you explore financing options that fit your budget. We want quality eye care and eyewear to be accessible for everyone in the Mount Washington Valley community.

We accept a wide variety of vision plans, and our carrier list is updated regularly as we add new contracts. If we're not in-network with your specific plan, you still have options. You can pay out-of-pocket at the time of service, and we'll provide you with a detailed receipt (called a superbill) that you can submit to your insurance company for out-of-network reimbursement—many plans will reimburse a portion of your costs. For eyewear, some vision plans offer allowances that can be used at any provider. Call us at 603-662-0389 to discuss your specific situation, and we'll help you understand your options and potential costs before you book.