You might be wondering why some eye care services or products are not covered by your medical insurance. You might have also asked why vision insurance is purchased separately from your medical insurance. To help you understand, your eye center optical services provider will explain how these two insurances work.
Why Vision Insurance Is Often Purchased Separately
While the reason behind vision insurance being separate plans from medical insurance remains unclear, there are a few factors that may have affected this system. For one, ophthalmology or optometry is considered a relatively young field of medicine, compared to other physiological branches of medicine. As a matter of fact, eyeglasses were used to be crafted by artisans instead of eye care specialists or medical professionals.
In addition, people in the past did not really put much thought into keeping their eyes in good health. Consequently, many did not think much of having insurance specifically for maintaining their eyesight. Fortunately, science and healthcare developments raised awareness on eye health. People eventually realized why it’s important to see an optometrist regularly. This being said, they also found the need to have a supplemental insurance that’s focused on supporting their eye care needs.
Vision Insurance Benefits vs. Medical Insurance Coverage
With vision insurance being separate from your medical insurance, you may find it difficult to remember which eye care products and services will be covered by each one. The key is to take note of the reason you had a specific eye care done. If you saw an eye care specialist because of a problem that’s medically necessary, like glaucoma or macular degeneration, this will be billed to your medical insurance policy carrier.
On the other hand, if you’ll be having complete eye health examinations as part of your routine eye care, then these are usually included in your vision insurance benefits. As long as it’s for your preventative eye care, your vision insurance will most likely cover them. Basic eyeglass lenses and frames, as well as contact lenses are also discounted under most vision insurance policies.
For additional information, feel free to contact us at (304) 422-1841 for the Parkersburg clinic or (304) 927-5910 for the Spencer center. We serve Parkersburg and the surrounding WV areas.