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At Bay Optical, our goal is to promote good eye health and enable you to have the clearest vision possible. We accept several types of vision insurance, cash, checks, CareCredit, and most credit cards (Visa, Discover, Mastercard). We inform our Glens Falls 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 Bay Optical 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 most 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.

Participating Insurance Plans

Professional/Eye Exams*

American Progressive

Blue Shield of NENY

Blue View Vision

Blue Vision (aka: Davis Vision)

Capital District Physicians Health Plan (CDPHP)

Davis Vision

Empire Blue Cross

Empire Plan

Excellus Blue Cross


GHI Emblem Health


Mohawk Valley Physicians (MVP)

Railroad Medicare

Superior Vision Plan



Blue View Vision

Blue Vision (aka: Davis Vision)

Capital District Physicians Health Plan (CDPHP)

Davis Vision

Eye Med

Superior Vision Plan

TriCare Discount Plan

 *Please note that the above insurance participation may be subject to change

Contact our office at 518-587-2020 to find out if your insurance provider is accepted in our office or for more information about your vision coverage.


It takes just 5 minutes to complete a CareCredit application and will allow you to break down your payment. Apply yourself online by clicking on the CareCredit link that applies to you:

Saratoga Springs, NY

Greenwich, NY

Warrensburg, NY

Glen Falls, NY

Flexible Spending 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

Our Glens Falls 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 Bay Optical, we also accept cash, check, CareCredit, and major credit cards (Visa, Discover, Mastercard). Call 518-587-2020 today to schedule your eye exam today.