Insurance and Payments

image of front desk assistant helping person fill out paperwork.

Flexible Spending Accounts AND HEALTH SAVINGS ACCOUNTS

Many employers are offering Flexible Spending Account (FSA) options to employees. Sometimes these are referred to as cafeteria plans and are elective, supplemental insurance savings plans. These plans are designed to let you save money in an account, pre-tax, to pay for additional medical expenses such as eye exams, glasses, contacts, and often laser vision surgery. Check with the benefits administrator at your work to see if you are eligible for this program. FSAs can typically be used in conjunction with any vision insurance plan to offset any out-of-pocket costs on your behalf.

Other Payment Options

We understand that cost is a concern when evaluating vision care providers. We do not want cost to be an obstacle to maintaining proper eye health and good vision. We accept various forms of payment and are able to discuss financing options with you prior to any examination. We also accept cash, atm cards, Care Credit and major credit cards. Call (760) 241-1010 today to schedule your eye exam.


Insurance Plans

We participate with Vision Service Plan (VSP), UFCW, and others. Check with our staff if you have other types of coverage.

If you have a medical problem with your eyes, such as cataracts, dry eyes or an infection, you may be able to use your medical insurance to cover your exam. If your plan is PPO or POS, we can give you a bill to submit to your insurance company for reimbursement. We are not part of a medical group, so we cannot bill HMO insurance. If you have HMO coverage, we can inform your primary care doctor of your eye problem, and they can refer you to the eye doctor in your medical group.

Verification of Benefits

For our office to verify your coverage, we will need the following: 

  1. Group, plan or policy number
  2. ID of the insured
  3. Member and patient’s date of birth
  4. Name of employer.

Verification of insurance benefits must be verified 24 hours prior to your appointment. 

If you are uncertain if you have vision coverage, please check with your human resource department or call your insurance company directly and ask the following:

  1. Does my insurance plan provide routine vision benefits and coverage?
  2. What is the name of my vision insurance? (it might be different than your medical insurance)
  3. Can I see any eye doctor of my choice?

Contact Us

We look forward to hearing from you.


Find us on the map!

Hours of Operation

Kyle J Schell O.D. Inc.


9:00 am-6:00 pm


9:00 am-6:00 pm


9:00 am-6:00 pm


9:00 am-6:00 pm