Payment Options

Insurance Image

At Cargill Eyecare Wexford, 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, and most credit cards. We inform our Wexford 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 Cargill Eyecare Wexford is experienced in working with pittsburgh 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.

Below are some of the insurances we accept:

Vision Insurances

  • VSP
  • VBA
  • UPMC / Vision Advantage
  • UPMC / NVA (National Vision Administrators)

Major Medical Plans

  • Highmark
  • Blue Cross / Blue Shield
  • UPMC
  • Health America - Advanta
  • United Healthcare
  • Aetna
  • Medicare

Contact our office at (724) 935-5761 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 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 Wexford 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 Cargill Eyecare Wexford, we also accept cash, check, and major credit cards. Call (724) 935-5761 today to schedule your eye exam today.

Care Credit

CareCredit gives you the freedom to get your LASIK or any procedure whenever you're ready. It's easy and safe to click and Apply On-line today.


  • 3, 6, & 12 month plan options [Click for Details]
  • No interest if the balance is paid within the specified time period
  • Low minimum monthly payments


  • 24, 36, & 48 month plan options [Click for Details]
  • For procedure fees from $1,000 to over $25,000
  • 11.90% interest rate
  • Monthly payments as low as $25 for a $1,000 fee balance

With CareCredit, you pay no up-front costs, no pre-payment penalties and no fees. Plus, CareCredit is a revolving credit line for additional treatment or add-on charges, without the need to re-apply. It only takes a few minutes to apply for CareCredit and you may receive an online decision in seconds! Apply now or see our staff for more details.

Gary Rieger
Gary Rieger
16:31 27 Sep 21
I've been wearing glasses for over 50 years so I've had more than my share of experiences with eye doctors. Dr. Cargill... has been the absolute BEST I've ever had and my wife and I have been going to him for over 15 years. We've both remarked that we've never had a more thorough eye exam, never had a prescription be more precise, never had diagnostics done to the extent that Dr. Cargill does (resulting in several referrals that resolved pending issues), never had followup like this, and never enjoyed going to the doctor's as much as I do here! Despite moving 12 hours away, I still come back to see Dr. Tom for my eye exams! I've tried others locally but none compare. My recent visit identified secondary cataracts and he was able to thoroughly explain the condition, the correction, and ease my mind. Now that is fixed and I'm delighted. Dr. Tom to the rescue again. Look, if you've been going to just a regular eye doctor you're doing yourself a disservice. It's about more than just coming out with a prescription. These are your EYES! You deserve the best. And honestly, there is non better anywhere. None. Give him a call. You'll be glad you did and you'll thank more
Le M
Le M
23:51 24 Jun 21
Dr. Underwood is a good doctor. Doctor - you need to talk to Beth to take the time with the customer and make sure the... glasses fit properly/PD. all she did was rushing and careless and anxious go back to her favorite chair in the offices. It's sucks you can't communicate directly with the doctor within 2-3 business more
Dawn Merlin
Dawn Merlin
17:11 07 Jan 21
I had a condition where I could not see out of my eye and it was also causing me to be vey dizzy. It was over the... holiday break and there were not any eye doctors open. I happened to find Dr. Cargill online and it said he was open. Sometimes just because you are open doesn't mean you are the best one around, but I knew I had to be seen immediately. Let me tell you it was the best "leap of faith" I had ever taken. Not only was Dr. Cargill very thorough and professional, but he also found something that every other doctor had missed (including a hospital). He really took the time to get to the root of the problem and explain everything to me. He then referred me to the hospital because he was afraid of the severity. He not only called me the next day to check on me, he also called me a few days later (On a Sunday) to check on me again since he knew I was being released from the hospital. This was the best experience I have ever had with a doctor in my entire life!! This kind of care and concern for your patients is not something that you learn in medical more
10:45 24 Sep 20
My family has gone to Dr. Cargill for 20 years. He started seeing my daughter when she was 7. He was great with her... as a little kid, and he's still great with her now that she's 20. My husband and I are also his patients. He always makes us feel like we're his favorite patients (and I can tell from his waiting room that all of us patients feel that way!). From routine eye care to some really worrisome issues, he's always been available, kind, and so professional. He's so smart, so experienced, and so up-to-date. I can't imagine trusting my and my family's vision to anyone more
Brian Seevers
Brian Seevers
16:12 26 Dec 19
My wife and I could not think more highly of Dr. Cargill.
Christopher Lazzara
Christopher Lazzara
15:29 20 Apr 18
Dr. Cargill and his staff go above and beyond to provide ourfamily with exceptional eye care. There are not many... doctors out there that take such care in their work and truly connect with their patients. We are blessed to have Dr. Cargill as our optometrist!read more
Alexandra Claherty
Alexandra Claherty
16:12 11 Apr 18
Absolutely loved it here. Came all the way from the South Hills because i did not like any of the doctors in the South... Hills. This drive was completely worth it. I would totally suggest him over any other eye doctor. Great doctor and great staff!!read more
Sarah Deeds
Sarah Deeds
23:47 11 Jan 18
I have been going to Cargill Eyecare in Wexford for most of my life and have NO intention of changing that! Dr. Cargill... and all of his coworkers in the office are professional, kind and communicative. They offer evening hours for those of us who need them as well as experienced advice while choosing new glasses! I highly recommend Cargill Eyecare in more
Sara Beth
Sara Beth
02:43 24 Feb 16
Both the staff and Dr. Cargill are great :). I have been going here for years. When I saw him for the first time, he... changed my old prescription dramatically, and I was seeing better than I could ever remember seeing in my life. The people at this office excel in every area -- they are friendly, professional, intelligent, knowledgeable, and they help you out however they can :).read more
Paul Persic
Paul Persic
01:34 28 Oct 15
I have been going to Dr. Cargill for a number of years and can honestly say that I enjoy my visits. The staff is... helpful and efficient, the selection of glasses is comprehensive, and Dr. Cargill is very friendly, experienced and thorough. They can put prescription lenses in Costa sunglasses as well - definitely my favorite brand. For me, a local practice like this is preferred over the corporate retail optometry shops because it's much more personal. And although the quality of care is better, I haven't felt that it costs any more than the chain stores. Overall, very more
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