Your Eye Care Insurance Woes

Untangling the often confusing facts about employee health benefits as it relates to your good vision can be frustrating. We’re here to help simplify what you need to know. Sometimes people with symptoms of eye discomfort or illness who visit our page are reluctant about seeing a doctor.

These people aren’t necessarily afraid of the doctor, they’re more apprehensive about what could be a scary diagnosis. A lot of people insured by their employers think that they don’t have enough coverage. Mainly, they are unsure about the difference between the employer’s Vision Plan and their regular health insurances. A lot of ‘Vision Plans’ give routine healthy eye checkups, a refraction, and even prescription eyewear.

Vision Plan participation offers limited benefits. For example, your Vision Plan may entitle you to one exam and one pair of new glasses per year. Given the cost of prescription spectacles a Vision Plan is a solid benefit that should not be overlooked. Some people mistakenly believe, however, that receiving that one Vision Plan visit makes them ineligible for eye care for the remainder of the year.

Regular health insurances will work to cover the costs of treating medical and surgical diagnoses involving your eyes, orbit and the surrounding structures. Depending on the terms of your policy you may be immediately referred to an optometrist or to an ophthalmologist. Interestingly, in most areas, the charges for the initial visit are the same whether you see an optometrist or ophthalmologist. Either doctor can refract you for new glasses, but without a Vision Plan you will need to pay out of your own pocket when you visit the optical shop.

Assumptions can often lead to plain decisions. It’s important that you familiarize yourself with the different medical and dental benefits that are available to you and any others covered by your insurance.