Routine Vision Insurance and Medical Insurance – An Explanation
Many of our patients have both medical insurance and routine vision insurance. Understanding these two very different types of insurance can be beneficial.
Regardless of the insurance, your insurance carrier requires us to see you for the condition for which you scheduled the exam. We will always provide the most appropriate care if you come to your appointment with a vision-threatening condition or are in pain. In all other situations, your insurance carrier requires us to treat the condition which is covered by their routine vision plan or medical insurance plan and then bring you back for a separate visit for conditions covered by the other type of insurance.
For example, if you schedule an appointment for a new glasses prescription and, during that exam, you mention you have symptoms of dry eye disease, we cannot give you a glasses prescription during that exam using your routine vision insurance and also treat you for dry eye disease using your medical insurance. Your insurance companies will not allow us to file for both. We will see and treat you for the issue you mentioned when scheduling your appointment, like your glasses prescription, and then you will schedule a follow up visit for the medical issue to be addressed.
Here is a list of the most common conditions treated by each type of insurance:
Routine Vision Insurance
- Refraction (prescription for glasses/contacts)
- Dry Eye
- Eye Allergies
- Corneal Disease
- Diabetic Eye Disease
- Retinal Issues
- Macular Degeneration
Also, please know that almost all routine vision insurance coverage has some form of benefit, or discount, for glasses or contact lenses, or both. However, each plan is different. Some allow benefits every year, while others allow benefits every other year, for example.