Forgot your password?

Using vision insurance for an eye exam

By Edited Aug 27, 2016 0 0

Getting a routing eye exam is important to keep your eyes healthy. An optometrist is an eye doctor that can check your eyes and give you a prescription for glasses if necessary so that you can purchase glasses. A visit to your eye doctor can be comfortable if you have the necessary information ready before you go in to see the doctor.

Vision insurance is used in many optometrists' offices. This type of insurance is different than medical insurance so make sure that you are under a vision insurance plan and not just medical insurance if you plan to visit your optometrist. Now if you only have medical insurance you'd have to call an ophthalmologist's office and ask if they can help you with an eye exam. An ophthalmologist does take medical insurance because he is a medical doctor but again the doctor would have to accept the insurance by being a provider.

When using your vision insurance before you eye exam, you will need to call your optometrist and ask if they take your insurance. Have your information ready when you call. Some information to have is the name of the insurance so they can know right away if they are providers, the member id on the insurance for each potential patient, and the date of births of the potential patients. What you do not want to do is call the doctor's office with no clue to what your insurance is because it can take longer for them to find out if they are providers. To get the name of your insurance, if you don't have it, would be the place where you got it from such as your work place. The human resources department would be a good place to find out.

If you called your regular optometrist and they do not accept your insurance, but you want to use your vision insurance then you'll have to get a list of providers. Call your vision health insurance and ask for a list of providers in your area. Some vision health insurance cards have an internet address that displays a list of providers along with a lot of helpful information.

Choose a provider to call. Keep in mind that just because the optometrist is on the list of providers, that doesn't mean that you'll have full coverage. Sometimes, depending on the plan that you signed up for, it may not cover specific doctors, or you may only get a discount. So it's important that you call the provider and ask if they accept your vision health insurance. You may ask them to verify the information to be sure.

When you do finally use this insurance, you can get either glasses or contact lenses. Usually vision insurances only cover one or the other. For example, if you choose to use your insurance for the contact lenses because you're always uses contacts, then you will have to purchase the glasses out of pocket. And the opposite is also true. This may not matter too much for someone that only uses glasses year after year though. But if you use contact lenses it's a good idea to have glasses anyway to give your eyes some rest. Even contact lenses that you sleep with have to be removed on a weekly basis to keep your eyes healthy.

Some good vision health insurances also include a dilation with the exam. That's pretty good considering a dilation will help evaluate the eye's health a lot better.

If you choose contact lenses for the insurance, you will have to purchase the contact lenses at the office where you have the eye exam. You have to purchase the amount that the insurance will cover. Depending on the contact lenses that you use, the insurance may cover up to year. If you're one of the lucky ones that gets a full year supply through the insurance, then you only have to worry about the co-pay for the exam. If you're even luckier, you won't have a co-pay.

Once the vision health insurance is used, the doctor's office files it to be on record. This information is so that your vision insurance knows when you'll be able to use their insurance again. Most vision insurances can be used twelve months from the exam, some it's every two years, for others it re-news a certain month each year. Call your vision insurance about specifics that you have questions about.

Any questions that you have about the contact lenses must be addresses to your eye doctor. Purchasing boxes of contacts lenses may not be able to be returned if there is a problem with them. So make sure that you are comfortable with the contact lenses that the optometrist prescribed. Your eye doctor will answer an question regarding your eye health that you may have.


Add a new comment - No HTML
You must be logged in and verified to post a comment. Please log in or sign up to comment.

Explore InfoBarrel

Auto Business & Money Entertainment Environment Health History Home & Garden InfoBarrel University Lifestyle Sports Technology Travel & Places
© Copyright 2008 - 2016 by Hinzie Media Inc. Terms of Service Privacy Policy XML Sitemap

Follow IB Health