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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 be covered:
- Yearly eye exams
- Glasses (with an annual limit)
- Contact lenses and fitting (with an annual limit)
- 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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