Vision and Medical Insurance
We understand eye care costs can add up. Vision insurance is designed to help share in your cost of vision expenses. It is not meant to be a pay-all but rather to help make your eye care needs more affordable. We will help you maximize your vision insurance to ensure that you are fully utilizing the benefits. There will usually be some sort of out-of-pocket expense or copay that you will be expected to pay at the time of service.
Vision insurances cover well vision examinations. A well vision examination determines whether or not your eyes require a glasses and/or contact lens prescription. Vision insurances do not cover the monitoring and treatment of any medical eye conditions (i.e. eye infections, cataracts, glaucoma, flashes and floaters, etc.).
Your medical or health insurance will help cover medical eye exams. For patients requiring a physician eye report, or for those who have any important medical history such as diabetes, a thyroid condition, or if they are taking certain high-risk medications, such as Plaquenil, their eye exam is considered medical. Conditions such as cataracts, glaucoma, retinal conditions, a history of flashes or floaters, require a medically based eye evaluation. Conditions like red, painful or scratched eyes, eye irritation, reduced or fluctuating vision, are also submitted to medical, not to vision insurance.
Since vision and medical insurances cover different types of conditions and treatments, we request that you have both your plans’ information available to give to our staff when making your appointment.