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Vision vs. Medical insurance coverage? Which one do I use for my eye exam?

It is very common for patients to get confused between their vision and medical insurance plans.  Please read the following that we hope will clarify the differences:

Vision plans deal with wellness/routine yearly eye exams that always include refractions which determine prescriptions for glasses and/or contact lenses.  Optical merchandise:  frames, spectacle lenses and their addons like sun reactive lenses, anti reflective coatings, no line bifocals, light weight materials and/or contact lenses are usually covered under these plans.  Varying copays for anything beyond the basics would become due.  Frame and contact lens allowances are other vision plan benefits 

Medical plans normally do not cover wellness/routine yearly eye exams or refractions but there are some exceptions. These plans usually cover injuries, trauma, infections, certain oral medications or even specific systemic illnesses involving the eyes or vision in some capacity. Optical merchandise is usually never covered. Deductibles (if applicable) and copays would become due

Sometimes patients have both plans.  We always prefer to take care of any obvious medical eye presentation first then have them return at a future date to use their vision plan benefits.  There's times when a routine eye exam finds a medical eye diagnosis requiring further follow up and testing with their medical plan

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9:00 am-1:00 pm


9:00 am-5:00 pm


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