Vision care insurance is insurance that
provides coverage for services relating to the care and
treatment of the eyes. It typically covers services
delivered by an optometrist or opthamologist. Depending on
the specific plan, some or all of the following services may
- Yearly eye exams
- Glasses (with an annual limit)
- Contact lenses and fitting (with an
- Glaucoma screening
Some vision plans may provide more
extensive coverage (such as certain eye surgeries), while
others may limit coverage to "reasonable and
customary" charges incurred during routine eye exams.
Reasonable and customary charges generally don't include the
cost of glasses and contact lenses. With some
employer-sponsored vision plans, coverage may be even more
narrowly limited to the medical treatment of certain eye
conditions. This is rare, however.
How does it work?
Vision care insurance may provide
direct payment to the eye care provider for the services you
receive. Or you may be required to cover the charges
out-of-pocket at the time of service, and then file a claim
for reimbursement. It depends on the specific plan.
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Please Note: The
information contained in this Web site is provided solely as a source of
general information and resource. It is a not a statement of
contract and coverage may not apply in all areas or circumstances. For a complete
description of coverages, always read the insurance policy, including