Understanding the differences between your medical insurance and your vision care plan
Many of our patients have both vision care plan and medical insurance and it can very difficult to understand the difference between the two. They are each very different in terms of the services they cover and we believe it’s important to take the time to explain the differences to our patients.
Vision coverage is designed mainly to cover determining a prescription for glasses, to help pay for glasses or contact lenses, and to cover a routine evaluation of the health of the eyes in a healthy patient that has no particular problem or symptoms. It is not equipped to deal with and does not usually cover medical conditions and/or treatment plans. Similarly, medical insurance is designed for when you have a medical problem that affects the eyes, and it does not cover routine vision problems such as nearsightedness, farsightedness, and astigmatism.
When a medical diagnosis or medical condition is present that affects your eyes, such as high blood pressure, high cholesterol, or diabetes, to name just a few examples, or you have an eye disease or eye problem such as an infection (pink eye), dry eyes, allergy, or cataracts, again, just to name a few, we must often file the claim with your medical insurance, and the co-pays and deductibles for that insurance will apply. Your vision plan does not cover these kinds of problems. These rules are set by your insurance company and we must comply.
Accepted Insurance Policies
Although we are not able to accept every type of insurance out there, we do accept most types, including (but not limited to):