Many people expect that their vision insurance policy will cover much more than it actually does. Knowing what it covers and what it doesn’t can help avoid confusion, headaches, and hassles on your part.
What Vision Insurance Doesn’t Cover
Vision insurance does not cover medical issues such as:
- Eye injuries
- Retinal or corneal tears or scratches
- Glaucoma
- Cataracts
- Eye cancer
These conditions are covered and treated under your medical policy.
What Vision Insurance Covers
Vision insurance covers routine eye care. This includes:
Eye exam: Typically, there is a copay for an eye exam, often around $15, and the insurance company pays the rest to the provider.
Retinal mapping: This is generally available for an additional charge, usually around $39, paid to the provider.
Glasses and contacts: Most policies include a $150 limit on materials, such as frames or contact lenses. There is also usually a materials copay, typically around $25. There are policies available that expand this coverage at higher-cost premiums.
Reach Out to MBhealth Today
If you’d like to learn more about vision insurance or have any questions or concerns, call us at (314) 794-7977 or reach out via our website.
