Ophthalmology and retina practices by state
PlanOptica tracks 132 health and welfare plans sponsored by 113 ophthalmology and retina practices in the United States, covering 17,590 participants and $101M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 98 participants, and the most common size is under 100 participants (52% of plans). The funding mix is split: 51% of plans are self-funded or mixed and the rest are mainly fully insured.
Bluecross Blueshield of Texas dominates premium with a 53% share, followed by Cigna Health and Life Insurance Company at 6%. Marsh & McLennan Agency LLC is the broker of record on 13 plans, more than any other firm, ahead of Bpa Troxell Benefits (10). 61% of plans report broker compensation on Schedule A; the median brokered plan pays $49K a year, about 6.4% of premium. TX, FL and GA have the most plans of any state.
Funding mix
- Fully insured64 · 48%
- Self-funded47 · 36%
- Mixed20 · 15%
- MEWA1 · 1%
Plan size (participants)
- Under 10069 · 52%
- 100 to 24941 · 31%
- 250 to 49915 · 11%
- 500 to 9996 · 5%
- 1,000 or more1 · 1%
Median plan: 98 participants. Median broker comp: 6.4% of premium across 81 brokered plans.
Top carriers, ophthalmology, the U.S.
- 1Bluecross Blueshield of Texas$54M26 plans · 53.2%
- 2Cigna Health and Life Insurance Company$6.4M7 plans · 6.3%
- 3United Healthcare Insurance Company$3.9M3 plans · 3.8%
- 4Unitedhealthcare Insurance Company$3.4M5 plans · 3.4%
- 5Health Options, Inc$2.4M5 plans · 2.4%
- 6Sun Life Assurance Company of Canada$2.1M6 plans · 2.1%
- 7Horizon Healthcare Services, Inc$1.9M1 plans · 1.9%
- 8Aetna Health, Inc$1.7M2 plans · 1.6%
- 9Delta Dental of North Carolina$1.6M15 plans · 1.6%
- 10Anthem Blue Cross Blue Shield$1.5M3 plans · 1.5%
Top brokers, ophthalmology, the U.S.
- 1Marsh & McLennan Agency LLC13 plans$688K comp · 16.0%
- 2Bpa Troxell Benefits10 plans$77K comp · 12.3%
- 3Usi Insurance Services LLC9 plans$1.2M comp · 11.1%
- 4Lockton Companies, LLC9 plans$483K comp · 11.1%
- 5Digital Insurance LLC5 plans$173K comp · 6.2%
- 6Gis Benefits Inc5 plans$26K comp · 6.2%
- 7Brown & Noyes, LLC4 plans$298K comp · 4.9%
- 8Gallagher Benefit Services, Inc4 plans$28K comp · 4.9%
- 9Assuredpartners4 plans$16K comp · 4.9%
- 10Mgis3 plans$900 comp · 3.7%
Largest ophthalmology and retina practices nationally
| Employer / plan | Location | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| Retina Group, Inc. Dba Retina Consultants of America Retina Consultants of America Group Health PlanAll plans | Southlake, TX | MEWA | 2,009 | $19M | Blue Cross of California |
| Retinovitreous Associates, Ltd. T/a Mid Atlantic Retina Retinovitreous Associates, Ltd. T/a Mid Atlantic Retina Welfare PlanAll plans | Plymouth Meeting, PA | Fully insured | 756 | $3.7M | Blue Cross of California |
| Retina Houston Mso LLC Retina Houston Mso LLC Health and Welfare PlanAll plans | Bellaire, TX | Fully insured | 715 | $7.0M | Blue Cross of California |
| Ophthalmic Consultants of Boston, Inc Ophthalmic Consultants of Boston, Inc. Health, Welfare,& Benefits PlanAll plans | Waltham, MA | Fully insured | 647 | $2.0M | Westport Insurance Corporation |
| Eye Associates of New Mexico, Ltd Eye Associates of New Mexico, Ltd Health and Benefits PlanAll plans | Albuquerque, NM | Mixed | 634 | $942K | Hartford Life and Accident |
| Berkeley Eye Institute, PA Berkeley Eye Institute, PA Comprehensive Welfare Benefit PlanAll plans | Kingwood, TX | Mixed | 604 | $969K | Dearborn Life Insurance Company |
| Eye Centers of America LLC Eye Centers of America - Health and Welfare PlanAll plans | Bloomfield, NJ | Fully insured | 548 | $682K | Great Midwest Insurance Company |
| Eye Centers of Southeast Texas, LLP Eye Centers of Southeast Texas, LLP Benefit PlanAll plans | Beaumont, TX | Fully insured | 420 | $87K | Metropolitan Life Insurance Company |
| Southeastern Retina Associates, P.C Southeastern Retina Associates, PC, Employee Benefits PlanAll plans | Knoxville, TN | Fully insured | 355 | $2.5M | Blue Cross of California |
| Vistar Eye Center, Inc Vistar Eye Center, Inc. Health and Welfare PlanAll plans | Roanoke, VA | Mixed | 334 | $579K | Life Insurance Company of North America |
| Dean McGee Eye Institute Dean McGee Eye Institute Employee Benefits PlanAll plans | Oklahoma City, OK | Fully insured | 318 | $3.5M | Blue Cross of California |
| JW Eye Associates, PA Dba Key Whitman Eye Center JW Eye Associates, PA Health & Welfare Benefit PlanAll plans | Dallas, TX | Fully insured | 292 | $1.2M | Blue Cross of California |
| San Antonio Eye Center, PA Group Term Life & Disability Policy for San AntoniAll plans | San Antonio, TX | Fully insured | 291 | $1.2M | Unitedhealthcare Insurance Company |
| Associated Retina Consultants, Ltd Associated Retina Consultants Ltd Group Ins PlanAll plans | Phoenix, AZ | Fully insured | 291 | $1.1M | United Healthcare Insurance Company |
| Mann Eye Center PA Mann Eye Center PA Health and Welfare PlanAll plans | Kingwood, TX | Mixed | 283 | $452K | United of Omaha Life Insurance Company |
Showing 15 of 113 employers. Filter the full list by size, funding, carrier and broker.
Plans by state
- Texas17 plans
- Florida10 plans
- Georgia9 plans
- Kentucky9 plans
- Ohio7 plans
- Pennsylvania7 plans
- Indiana6 plans
- Missouri6 plans
- North Carolina6 plans
- Illinois5 plans
- New Jersey5 plans
- California4 plans
- Idaho4 plans
- Tennessee4 plans
- Arizona3 plans
- Iowa3 plans
- Michigan3 plans
- Oregon3 plans
- Virginia3 plans
- Massachusetts2 plans
- Minnesota2 plans
- Oklahoma2 plans
- South Dakota2 plans
- West Virginia2 plans
- Colorado1 plans
- Connecticut1 plans
- Delaware1 plans
- Kansas1 plans
- Maine1 plans
- New Hampshire1 plans
- New Mexico1 plans
- North Dakota1 plans
Frequently asked questions
How many ophthalmology and retina practices offer an ERISA health plan?
132 health and welfare plans from 113 ophthalmology and retina practices appear in plan year 2024 to 2025 filings on Form 5500, covering 17,590 participants. Plans with fewer than 100 participants that are fully insured do not have to file, so small practices are under-counted.
Which insurance carriers cover the most ophthalmology and retina practices?
By Schedule A premium: Bluecross Blueshield of Texas (53% of premium, 26 plans), Cigna Health and Life Insurance Company (6% of premium, 7 plans) and United Healthcare Insurance Company (4% of premium, 3 plans).
Which benefits brokers work with ophthalmology and retina practices?
By number of client plans: Marsh & McLennan Agency LLC (13 plans), Bpa Troxell Benefits (10 plans) and Usi Insurance Services LLC (9 plans). 61% of plans report a broker.
How much do brokers earn on ophthalmology and retina practices health plans?
The median brokered plan reports $49K a year in broker commissions and fees, or 6.4% of premium. Figures come from Schedule A, Part I.
Are ophthalmology and retina practices health plans self-funded or fully insured?
Fully insured 48%, self-funded 36% and mixed 15%. Self-funded and mixed plans together make up 51%.
Where does this data come from?
U.S. Department of Labor Form 5500 filings and their Schedule A insurance attachments, latest filing per plan. Ophthalmologists file as physicians (NAICS 621111), so this page matches healthcare employers by name: ophthalmology, retina, eye institute, eye center, eye associates, eye physicians, eye specialists and eye surgeons.
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Other healthcare specialties
Source: U.S. Department of Labor Form 5500 and Schedule A, latest filing per plan (plan years 2024-2025). Ophthalmologists file as physicians (NAICS 621111), so this page matches healthcare employers by name: ophthalmology, retina, eye institute, eye center, eye associates, eye physicians, eye specialists and eye surgeons.