Insurance & Payment Options

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At Spadafora & Zak Eye Care, our goal is promote good eye health and enable you to have the clearest vision possible. We accept several types of vision insurance, cash, checks, and most credit cards. We inform our Clarkston patients about exam and treatment costs at the beginning of your appointment. If you require a breakdown of costs, please let us know.

Vision Insurance

The knowledgeable staff at Spadafora & Zak Eye Care is experienced in working with vision insurance providers. We will work directly with you and your vision insurer to submit claims regarding your vision care. We strive to ensure that you understand your insurance coverage and will answer any questions you may have regarding your benefits. Many current vision plans are designed to cover many of the basic vision-related costs, but not all costs associated with eye care. Most plans often require a co-payment for an office appointment as well as additional costs that are covered by the insured patient.

Contact our office at (248) 922-1862 to find out if your insurance provider is accepted in our office or for more information about your vision coverage.

Flexible Spending Accounts

Many employers are offering Flexible Spending Account (FSA) options to employees. Sometimes these are referred o 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

Our Clarkston optometry staff understands 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. At Spadafora & Zak Eye Care, we also accept cash, check, and major credit cards. Call (248) 922-1862 today to schedule your eye exam today.

We at Spadafora & Zark Eye Care, are In-Network with most Vision and Medical Insurances please see list below:

We will verify your insurance information upon scheduling your appointment.

  • ASR
  • Aetna
  • Aetna Medicare Choice Plan (PPO)
  • Aetna Medicare Elite Plan (HMO)
  • Aetna Medicare Elite Plan (PPO)
  • Aetna Medicare Essential Plan (PPO)
  • Aetna Medicare Freedom Plan (PPO)
  • Aetna Medicare Plan (HMO)
  • Aetna Medicare Plan (PPO)
  • Aetna Medicare Plan (PPO) with Extended Service Area (ESA)
  • Aetna Medicare Platinum Plan (HMO)
  • Aetna Medicare Platinum Plan (PPO)
  • Aetna Medicare Plus Plan (PPO)
  • Aetna Medicare Premier Plus Plan (PPO)
  • Aetna Medicare Select Plan (HMO)
  • Aetna Medicare Select Plan (PPO)
  • Aetna Medicare Standard Plan (HMO)
  • Aetna Medicare Value Plan (PPO)
  • Aetna Select
  • Aetna Select (Open Access)
  • Ambetter from Meridian Health (Michigan)
  • Ascension Complete Medicare - Michigan
  • ASR Mercy Affinia Health/Physicians Care
  • Base Plan (Choice)
  • BCN Advantage (HMO-POS)
  • BCN Advantage (HMO-POS)
  • BCN Advantage Community Value (HMO-POS)
  • BCN PCP Focus (HMO)
  • Beaumont Health
  • Blue Care Network (HMO/POS)
  • Blue Care Network PCP Focus Network (HMO)
  • Blue Choice Physician Choice PPO
  • Blue Cross Blue Shield of Michigan
  • Blue Cross BlueShield National
  • Blue High Performance Network
  • Blue HPN PPO
  • Blue Preferred Plus PPO
  • BlueCard PPO Basic
  • BlueCard PPO/EPO
  • BlueCard Tradition BCBS
  • Caterpillar
  • Charter HMO/Charter Balanced HMO/Charter Plus HMO
  • Charter Plus
  • Charter/Charter Balanced
  • Children's Hospital of Colorado
  • Choice
  • Choice Excluding Sutter
  • Choice HMO/Choice Plus HMO
  • Choice Including McLeod
  • Choice OCI
  • Choice Plus
  • Choice Plus Excluding Sutter
  • Choice Plus Including McLeod
  • Choice Plus POS
  • Choice Plus with Harvard Pilgrim
  • Choice POS II
  • Choice with Harvard Pilgrim
  • ChoicePOS
  • Cigna
  • Cigna
  • Cofinity
  • Core
  • Core Essential
  • Core HMO/Core Essential HMO
  • Davis Vision
  • Doctors Plan
  • Doctors Plan HMO
  • Doctors Plan Plus
  • Dow Chemical Quadmed
  • Eastern MI/Central Western MI/Northern MI Medicare
  • Eastern/Central Western MI Medicare
  • Eaton
  • Elect Choice EPO (Open Access)
  • Empowered Duals (HMO SNP)
  • EPO/PPO
  • Evolve
  • Eye Med
  • First Health
  • Freedom + Choice Plus
  • Garden + Choice Plus
  • Genesys Choice (HMO)
  • Genesys Tiered Access (POS)
  • Genesys Tiered Access (PPO)
  • Gold Plus HMO
  • Gold Plus HMO Dual SNP
  • HAP
  • HAP
  • HCA Choice Plus
  • Healthy Michigan Plan/Priority Health Choice HMI
  • Henry Ford Choice (HMO)
  • Heritage
  • Heritage Plus
  • Heritage Select Advantage (AR/GA/NC/SC/TN)
  • HFHS Employee Advantage Tiered Access EPA
  • HFHS Employee CDHP EPA
  • HMO/Personal Alliance HMO
  • HPHC Access America/CH+
  • HPHC Commercial PPO
  • Humana
  • Humana
  • Humana Preferred PPO
  • Humana/ChoiceCare PPO
  • Humana/ChoiceCare+ PPO
  • Humanagoldchoice Ntwk PFFS
  • Illinois/Eastern MI/Central Western MI/Northern MI/Indiana/Wisconsin Medicare PPO
  • Individual Michigan
  • Innovation Health
  • Jackson Health Network Select (HMO)
  • Liberty + Choice Plus
  • Managed Choice POS
  • Managed Choice POS (Open Access)
  • McLaren
  • Medica Choice with UHC Choice Plus
  • Medica Choice with UHC Options PPO
  • Medicaid
  • Medicaid/Priority Health Choice MDC
  • Medicare
  • Medicare Plus Blue (PPO)
  • Medicare PPO
  • Medicare PPO/Employer PPO Plus
  • Medicare Traditional
  • Medicare/DSNP
  • MedicareDirect Patriot/Rx (PFFS)
  • Meijer HPN
  • Meijer PPO
  • Meridian
  • Methodist Health System Enhanced Plan (Choice Plus)
  • Metro + Choice Plus
  • Michigan Medicare HMO
  • Molina
  • MyPriority HMO Gold
  • Mypriorty HMO/MyPriority Telehealth PCP
  • National POS OpenAccess
  • National POS OpenAccess Plus
  • Navigate HMO/Navigate Balanced HMO/Navigate Plus HMO
  • Navigate Plus
  • Navigate/Navigate Balanced
  • Nexusaco OA
  • Nexusaco OAB
  • Nexusaco OAP
  • Nexusaco R
  • Nexusaco RB
  • Nexusaco RP
  • Northwell Health Choice
  • Northwell Health Choice Plus
  • Northwell Health Options PPO
  • NVA
  • Open Access Plus, OA Plus, Choicefund OA Plus
  • Open Access Plus, OA Plus, Choicefund OA Plus with CareLink
  • Open Choice PPO
  • Options PPO
  • Options PPO Including McLeod
  • Options PPO with Harvard Pilgrim
  • Options Providers Outside Franklin County
  • Oscar Health
  • Oxford Health Plans
  • Passport Connect Choice
  • Passport Connect Choice Plus
  • Personal Alliance PPO
  • Physician Choice PPO
  • POS
  • PPO
  • PPO
  • PPO, Choice Fund PPO
  • Preferred
  • Preferred HMO
  • Premier PPO
  • Primary Choice Medicare (HMO)
  • Priority Health
  • Priorityhmo
  • Prioritypos A
  • Priorityppo
  • Qual Health Center Select Plus POS
  • Select
  • Select HMO
  • Select Plus
  • Self Funded EPA/EPO/PPO
  • Self Funded HMO
  • Senior Plus Henry Ford (HMO)
  • Senior Plus HMO/POS
  • Senior Plus Medical Only (HMO)
  • Senior Plus PPO
  • Southeast MI Partners a (HMO/POS)
  • Spectara
  • St John Providence Health
  • St Joseph Mercy Health System
  • State of MI Health Plan PPO
  • Sutter Core
  • Sutter Options PPO
  • Sutter Select+
  • The Empire Plan
  • Traditional BCBS
  • Traditional Medicare
  • UHC
  • UnitedHealthcare
  • Universal Health Services Choice EPO
  • Universal Health Services Choice Plus/Options PPO
  • Versant (Davis/Superior)
  • VSP
  • WellMed Affiliated Provider Choice Plus

If you do not see your Insurance above we most likely still participate, please contact us to confirm your insurance prior to scheduling your appointment. Additionally, we offer private pay special pricing and Care credit to accommodate all of our patients. Spadafora & Zak is looking forward to supporting your eye and vision needs!

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