Unlike medical insurance, vision insurance is often purchased as a separate plan. Since it is only supplemental to your regular health insurance, you may find it confusing which services and products are included and which are not. Here’s what your trusted eye care center has to say:
Why Is Vision Insurance Separate From Medical Insurance?
There are various factors that led to the separation of vision insurance from medical insurance. The field of optometry being a relatively younger branch of medicine is one factor. In fact, eyeglasses were made by craftsmen at one point in time instead of medical professionals. Another factor is that people did not really put much thought into keeping their eyes healthy before. Fortunately, over time, society has realized the importance of maintaining your eyesight. This could have inspired the creation of supplemental vision care policies.
When Will My Eye Exam Be Covered?
Due to this separation of medical insurance from vision insurance, you may not know for sure if your eye exams will be covered or not. The answer boils down to the reason for your visit. If what you had was a routine or preventative eye exam, most likely, this will be covered by your vision insurance but not by your health insurance. On the other hand, if your eye exam was “medical” in nature, or you had a specific complaint, such as swelling of your eyes, this will most likely be included in your health insurance benefits.
In case you came in to have your routine eye exam but your eye doctor identified a sign of a certain eye disease, it’s still possible that this will be covered by your vision insurance. What may happen is that your vision insurance will cover the eye exam itself, but any expenses for the procedures or management related to the eye disease will be charged to your medical insurance carrier.
The best thing you can do to ensure that your eye services or products will be covered by your health or vision care policies is to verify your benefits with your insurance company. Before visiting your eye doctor, take the time to call your insurance provider and ask if your visit is covered or at least look it up on their website. Most eye clinics can verify your benefits too.
For more information about vision care, contact us at (757) 772-0086 or fill out our form. We serve Virginia Beach and nearby VA areas.