What Vision Insurance Covers
Vision insurance is generally purchased in conjunction with a health insurance plan and covers care and treatment for your eyes. These plans often cover annual eye exams, glasses, contacts, and glaucoma screening. Laser eye surgery is even covered with some vision plans, but that will depend on your specific plan and carrier. In other cases, vision insurance can be extremely restricted. Some policies just pay for the annual exam or treatment of eye conditions, not glasses or contacts. Be sure to understand what your policy covers.
How Does Vision Insurance Coverage Work
Vision insurance, sometimes called eye care insurance, can work differently depending on the type of policy you purchase. You may have to pay the doctor yourself and submit a claim for the vision insurance company to reimburse you later. Other plans pay the eye care provider directly. Vision insurance is not a substitute for health insurance. In fact, most often a medical problem discovered by your eye doctor (such as a cyst or tumor in your eye) would fall under your health insurance, not your vision insurance. Most importantly you should understand how to care for your vision – as they say, an ounce of prevention is worth a pound of cure.
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