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125 Collins Dr. Harrodsburg, KY 40330
(859) 734-2020
Dr. Jeff Klosterman, O.D. Dr. Rebecca Harris, O.D.
Redefining Eye Care for Patients
Across Central Kentucky
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The cost of routine eye exams and prescription eyewear can be of real concern, especially for large families. In many cases, vision insurance can lower these annual expenses.

A vision insurance policy is not the same as health insurance. Regular health insurance plans protect you against financial losses due to unexpected eye injuries or disease. Vision insurance, on the other hand, is a wellness benefit designed to provide routine eye care, prescription eyewear, and other vision-related services at a reduced cost.

Because we provide both medical and routine eye care, we accept a number of insurance plans to help cover the cost depending on your individual needs. Here are just some of the plans that we accept.  If you do not see your plan listed, simply call us at (859) 734-2020 and ask for help.  We're also always looking to expand our services to more patients, so if you would like us to look into becoming in-network providers for your particular plan, please simply call us and provide us some information!

Accepted Medical Plans


Blue Cross Blue Shield

Bluegrass Family Health



Most forms of Kentucky Medicaid


Railroad Medicare

United HealthCare

What is a Refraction, and why is it not covered by Medicare or other major medical insurances?

A refraction is the test that eye doctors use to determine your exact eyeglass prescription. During a refraction,  an instrument called a phoropter is placed in front of your eyes and a series of lens choices are presented to you.

Based on your answers, the doctors will continue to fine-tune the lens powers until reaching a final end point.  This resultant lens prescription is reviewed in combination with pre-testing results such as automated refaction and corneal keratometry readings to produce a final eyeglass prescription. Thus a  refraction determines your level of hyperopia (farsightedness), myopia (nearsightedness), astigmatism and/or presbyopia.

The reason why Medicare and other major medical insurances do not cover this test is that Medicare has determined this particular service as "not reasonable and necessary", "experimental", "investigational," or "not medically necessary" and will deny the payment of that service.  It is the financial responsibility of the patient to pay for this test.

  • As a service to our patients, we are pleased to offer the CareCredit card, the nation's leading patient payment program. CareCredit lets you begin your procedure immediately—then pay for it over time with low monthly payments that are easy to fit into your monthly budget.

  • Have questions about the warranties on your frame or lenses?  Since warranty policies from vision insurance plans and manufacturers routinely change from year to year, it is too complex to accurately represent current information on this website.  For any questions about your specific warranties, simply call our office at (859) 734-2020 and ask for help!