Do all eye doctors take vision insurance? First, it depends on the type of “eye doctor” you’re going to visit.
An optometrist is a primary eye care provider who examines the eyes, diagnoses and treats a wide range of vision and eye health conditions, prescribes corrective lenses and medications, and can refer patients to a specialist when needed. Many optometrists accept vision insurance, though coverage varies by plan and provider.
Questions to ask: Does your optometrist take your particular vision plan? Can you get reimbursed through your vision insurance for seeing your optometrist if they aren't a preferred provider on your plan?
An ophthalmologist is a physician who specializes in the medical and surgical care of the eyes. Visits for medical eye conditions, such as glaucoma, cataracts or retinal disease, are generally covered under medical insurance rather than vision insurance. Some ophthalmologists also accept vision insurance for routine comprehensive eye exams.
SEE RELATED: How to choose an eye doctor
Should I see an optometrist or ophthalmologist?
Either an optometrist or an ophthalmologist can perform a comprehensive eye exam. Many people see an optometrist as their primary eye care provider for routine exams, vision correction and ongoing management of common eye conditions. If conditions such as glaucoma or cataracts requires surgery or more specialized care, your optometrist may refer you to an ophthalmologist or a subspecialist.
If you already know you have a condition that may require medical or surgical treatment, you may want to schedule directly with an ophthalmologist. Visits for medical eye conditions are generally covered under medical insurance rather than vision insurance, so be sure to bring your health insurance information to your appointment.
What does vision insurance usually cover?
Vision insurance may cover a portion or all of the cost of routine eye exams and corrective lenses (including eyeglasses and contact lenses). Some plans offer discounts or reduced prices on LASIK eye surgery, but vision insurance will not usually cover treatment for eye disease.
WHEN WAS YOUR LAST EYE EXAM? Find an eye doctor near you who takes your vision insurance and book an appointment.
