Insurance


  • What is Vison Insurance? Vision insurance is more accurately described as a prepaid vision plan. Your vision plan provides you with access to negotiated rates for routine eye exams as well as materials such as glasses and contact lenses. Depending on your plan, you may have funded benefits that pay an allowance towards the cost of your materials and services. Vision plans only cover refractive eyecare related to the prescription of glasses or contacts and not testing related to medical eye conditions.
  • What is Medical Insurance? Medical insurance covers the eyecare necessary for the treatment of medical eye conditions and diseases, which may include but are not limited to: dry eye syndrome, eye allergies, eye infections, foreign body removal, headaches, diabetic eye exams, hypertensive eye exams, glaucoma, and macular degeneration.
  • How do I know if I wll be using my medical insurance or vision insurance? Which "insurance" you will need is guided by what problem with which you present to our office. In some cases, your problem may not be readily identifiable until we begin our evaluation. We make every effort to inform you of the need to bill your medical insurance once an assessment of your problem has been made. We recommend providing us with both vision and medical insurance coverage at the time of the appointment.
  • Can I complete both medical and vision testing at the same visit? That depends on how your insurance plan is structured. In some cases your medical eye insurance will also cover refractive testing, which is the assessment of your eyeglass or contact lens prescription. When possible, we attempt to minimize your cost by filing coordination of benefits between you medical insurance and your vision plan.
  • Does Medicare cover my glasses? With the exception of a few Medicare replacement plans, Medicare does not cover glasses or the testing related to glasses. The exception to this rule is immediately after cataract surgery.
  • Will my Medicare supplement cover my glasses? Typically no. Your supplement will follow Medicare guidelines and Medicare does not consider it a covered service.
  • Is Low Vision covered by insurance? In most cases, your insurance will NOT cover low vision services or supplies.
  • Can I get contacts and glasses with my insurance? Most insurances pay for one or the other, but you are welcome to purchase additional materials out of pocket.
  • Do you have to share my personal health information with my insurance carrier? This information is required in order for your insurance to pay for your services and/or materials; however, If you pay out of pocket, we are no longer under any obligation to share your information.
© Sharp Eyes Vision Center 2011