Basic health insurance, usually provided by your employer, only covers certain medical services. Vision plans are supplemental to your regular health insurance.
In this post, your myopia eye doctor from the Institute for Control of Eye Myopia in Children explains the differences between medical insurance and your vision plan.
The Difference Between Routine and Medical Eye Exams
The type of eye exam can be identified by the purpose of your visit or your eye health concern. Routine exams detect nearsightedness or astigmatism while medical eye exams give a diagnosis. Most insurance providers consider the reason for your consultation. Plan coverage varies by insurance companies. Some medical insurance may include medical eye problems but not cover routine eye exams.
A lot of vision plans cover glasses and contact lenses or provide doctors’ fee discounts. Your medical insurance will handle your examination costs if you have an eye condition. It’s important to understand your insurance’s inclusions to know which are covered by your provider and which must be purchased.
If you have an eye health problem but you also need eyeglasses, getting your vision checked may cost you a refraction fee. Normally, insurance companies classify the components of an eye exam into two— comprehensive exam and refraction. Meanwhile, medical insurance only covers the exam.
Assuming you need a new pair of eyeglasses and your employer provides you with medical insurance, you would then visit your optometrist for a routine eye exam to get new prescription glasses. However, at the end of your exam, if your doctor has seen signs on glaucoma, you would be told to come back for more tests.
The original purpose of your visit is to have your eyes checked to get new glasses. Though your eye doctor has discovered signs of glaucoma, your visit would still be covered under your vision plan. Moreover, your next doctor’s visit for glaucoma testing would be covered by your medical insurance.
Visit your doctor regularly for routine eye exams or if you’re experiencing any vision discomfort. At the Institute for Control of Eye Myopia in Children, we specialize in myopia control and myopia treatments. Contact a local myopia control specialist today to learn more about our services.