Medical vs Vision Plans - What's the difference?

It is important that you understand that your Vision Plan covers ROUTINE eye care only (nearsightedness, farsightedness, and normal astigmatism). You will be receiving a comprehensive medical eye exam from one of our fine doctors who are committed to giving you the highest quality eye care. We will examine you for many conditions such as glaucoma, dry eyes, cataracts, retinal holes or tears, diabetic and hypertensive eye disease among many others. If your eye exam involves a medical condition related to your eye that requires specific counseling, documentation, follow-up care, regular monitoring or referral to a surgeon, then your visit is NOT COVERED by your Vision Plan. Unfortunately, the doctor cannot tell if medical eye conditions exist before you are thoroughly examined.

The good news is that your Medical Insurance can be used with an eye-related medical problem, such as cataracts, dry eyes, complicated from diabetes or high blood pressure (among many others) if found during the course of the eye examination. You do not need a vision benefits rider on your medical insurance to be covered for a medical eye condition. In these cases, your Medical Insurance will be billed for the eye exam even though a Vision Plan may also be in effect. Your Medical Insurance co-pays and deductibles must be paid at the time of your exam.

More good news! If we do file the exam with your medical insurance, you can still use your Vision Plan benefits towards the purchase of glasses or contact lenses based on your plan’s allowances. If you elect to have refractive services done to establish what prescription you need for glasses, please be aware this will NOT be covered by your medical insurance and a $40 fee will be due at the time of the visit.