Accepted Insurances
Insurance & Payment
Clear Coverage. Thoughtfully Managed.
At Spectrum Optical, we work with a wide range of vision and medical insurance providers to make comprehensive eye care more accessible. Our team handles the details—from benefit verification to claims—so your experience remains seamless and straightforward.
Serving Morgantown and Bridgeport, we focus on clarity, transparency, and efficient coordination of your benefits.
Vision Insurance 
We participate with many leading vision plans, including:
- VSP
- EyeMed
- Davis Vision
- Spectera
- Blue View Vision
- Humana Vision
If your plan is not listed, our team is happy to verify your coverage prior to your visit.
Medical Insurance
For medical eye care—including glaucoma, macular degeneration, dry eye disease, infections, and diabetic eye exams—we accept a variety of medical insurance plans:
- Anthem / Blue Cross Blue Shield
- Highmark Blue Shield
- Cigna
- Humana
- UnitedHealthcare
- UMR
- Peak Health
- UMWA Health & Retirement Funds
Coverage varies by plan. We recommend contacting our office to confirm your specific benefits.
Important Update
Medicaid Participation
As of June 2025, Spectrum Optical no longer participates with Medicaid plans. Patients with Medicaid coverage are welcome on a self-pay basis, and our team can review available payment options with you.
Payment Options
Flexible Solutions. Straightforward Billing. 
For services not covered by insurance, we offer:
- CareCredit® healthcare financing
- Cash and personal check
- Major credit and debit cards (3% processing fee applies)
- HSA and FSA accounts
What We Handle for You
- Insurance verification prior to your appointment
- Clear explanation of coverage and out-of-pocket costs
- Claim submission and coordination
- Guidance on maximizing both vision and medical benefits
Questions About Your Coverage?
Our team is available to help you understand your insurance and plan your visit with confidence.
📞 Call (304) 599-7034