CO Payment Options at Clancy Optical and Spex Eyewear
At Clancy Optical and Spex Eyewear, we believe great vision care should never feel out of reach. As a family-owned, independent optician serving Knoxville for generations, we have built our payment options around flexibility, transparency, and choice. Whether you choose the convenience of Clancy Optical in West Knoxville or Spex in Bearden, the same customer-first payment policies apply at both locations.
Our goal is simple. We want you to receive the best eyewear, the most accurate lenses, and the highest-quality craftsmanship available without being forced into compromises due to cost or insurance limitations.
Why Flexible Payment Options Matter
High-quality eyewear is an investment in your daily comfort, safety, and long-term eye health. Many patients delay upgrading glasses or filling complex prescriptions because of upfront costs. We believe you should never have to put off better vision or settle for lower-quality products.
That is why we offer multiple vision care financing options, including out-of-network insurance support, CareCredit financing, and HSA and FSA eligible eyewear payments. These options allow you to move forward with the eyewear you need now, while choosing the payment approach that fits your budget.
Out-of-Network Insurance Support
Clancy Optical and Spex Eyewear are intentionally out-of-network insurance opticians. This decision allows us to maintain full control over lens quality, lab selection, and craftsmanship standards. We are not tied to insurance-mandated labs that often limit materials, designs, or precision.
If you have out-of-network insurance benefits, we are happy to help. We provide itemized receipts that you can submit directly to your insurance provider for reimbursement. As an added benefit, we offer a 10 percent out-of-network discount on any frame and or lens purchase.
This approach allows us to deliver superior value, handle difficult or unusual prescriptions, and often provide better results than insurance-restricted optical chains.
CareCredit Accepted for Eyewear Financing
We proudly accept CareCredit for eyewear financing at both Clancy Optical and Spex Eyewear. CareCredit is a healthcare credit card designed specifically for medical and vision-related expenses.
Using CareCredit allows you to select your exam, prescription glasses, sunglasses, or contact lenses immediately and pay over time with manageable monthly payments. There are no up-front costs or pre-payment penalties, making it an ideal solution for patients who want flexible payment plans for glasses without delay.
CareCredit is especially helpful for specialty lenses, premium frames, and complex prescriptions that require advanced materials and expert craftsmanship.
HSA and FSA Eligible Eyewear
We gladly accept HSA and FSA eyewear payments for partial or full balances. Many patients are surprised to learn that prescription glasses, lenses, and vision-related services are typically eligible expenses.
If you use a Health Savings Account or Flexible Spending Account, we can apply those funds directly at checkout. We are also happy to provide itemized receipts upon request for your HSA or FSA administrator.
Using pre-tax dollars through these accounts is a smart way to reduce out-of-pocket costs while still choosing high-quality eyewear.
Independent Optician Payment Options Built Around Expertise
Our payment policies reflect who we are as an independent optician. With four licensed opticians and more than 175 years of combined experience, we routinely handle prescriptions that other shops cannot fill correctly.
By remaining independent, we protect our ability to choose superior lenses, advanced designs, and trusted labs. Our flexible payment options support that mission by ensuring patients can access expert-level care without being limited by insurance rules or rushed decisions.
One Policy, Two Knoxville Locations
All payment options apply equally at both of our Knoxville locations. Whether you prefer the convenience of Clancy Optical in West Knoxville or Spex in Bearden, you receive the same transparent pricing, financing choices, and personalized guidance from our in-house team.
Frequently Asked Questions
We do not participate in insurance networks, but we fully support out-of-network benefits with itemized receipts and discounts.
Yes. CareCredit is accepted at both Clancy Optical and Spex Eyewear.
Yes. We can accept partial payments using HSA or FSA funds and apply the remaining balance to another payment option.
Not at all. Financing allows you to choose the best eyewear for your needs without compromise.
Supporting Your Vision Without Compromise
At Clancy Optical and Spex Eyewear, our payment options are designed to support better outcomes, not shortcuts. By offering eyewear financing, CareCredit acceptance, HSA and FSA eligible eyewear, and out-of-network insurance support, we help patients prioritize quality and clarity. As a third-generation Knoxville business, we understand trust is built through transparency and flexibility. Our team is always available to explain your options and help you choose the approach that works best for your vision, your lifestyle, and your budget.