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Simpson Financial Group  Preparing for life’s uncertainties

doctors standing togetherYou might have heard that your health insurance may not cover your eye exams. To get eye coverage, you might need to have vision insurance in addition to health insurance. 

You might wonder if this is true. Your eyes are important to keep healthy.

Regular Eye Exams

Normal eye exams are generally not covered by regular health insurance policies. Some policies cover regular vision exams, though these can be hard to find, and may be more expensive.

Regular eye exams are usually thought of as your annual or semi-annual eye maintenance. These exams usually include a vision exam and diagnoses for glasses or contacts.

To get coverage for regular vision exams, you will likely need to buy vision insurance. Don't distress. Many employers offer vision insurance and health insurance to their employees. Private vision plans are also readily available from many major insurance companies.

Also, plans that are part of the Affordable Care Act must give vision coverage to all people under 19 years old. Affordable Care Act plans usually don’t cover vision exams for people over age 19.

Vision Insurance

Vision insurance is different from regular health insurance. Vision insurance is usually sold apart from regular health insurance. The policies are usually relatively cheap and mean a small monthly payment. The policies usually cover regular eye doctor checkups.

If you need glasses, contacts or have other vision problems, you should look into getting vision insurance. Vision insurance can greatly reduce the cost of treatments like frames and the lenses.

Vision insurance usually covers a yearly eye exam. It also usually covers new prescription lenses or contacts, and new frames. It may also provide some coverage for laser vision correction like LASIK. The cost that vision insurance covers varies by provider.

Remember, some eye doctors provide more than just simple vision exams. Always talk to your doctor and insurer.  Make sure that your vision insurance covers all the services you receive in a visit.

Health Insurance Can Help

Just because regular health insurance usually doesn’t cover regular vision checks, that doesn’t mean it can’t help you keep your eyes healthy. If you have an eye disease that requires ongoing medical treatment, your health insurance will likely cover some or all of the cost.

The treatments for eye diseases like glaucoma, macular degeneration and cataracts usually have some degree of coverage from regular health insurance. These conditions are like other illnesses. They usually fall within the coverage realm of health insurance.

You should always know what your health insurance and your vision insurance do and do not cover. Review your policy before heading to the eye doctor. That way, you won't get any unexpected bills that you aren’t prepared for.

Simpson Financial Group is proud to offer you a variety of resources for choosing health insurance to meet your needs. Do you have questions about whether your health insurance includes vision coverage? We are here to help. Explore our health insurance offerings on our website. Or, call us today at (877) 727-7780.
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