What Should You Know About Health Insurance And Vision Coverage?

​Most people know the benefits of typical medical insurance. But you can get comprehensive benefits with a vision plan. Most people purchase only one policy between medical and vision coverage. So, knowing how medical and vision coverage can help you. 

Health Insurance vs. Vision Coverage
Studying your health and vision insurance plan is important since it may be confusing, and each company offers it differently. One of the factors in knowing which coverage you need is your reason for visiting an eye doctor. Vision insurance is mostly for preventive care, while medical insurance is mostly for medical eye problems.

The professional eye care doctor usually uses the terms “routine” and “medical” to categorize the eye health care you need. Also, the two terms may still include similar eye exams, but there are insurance companies that handle different eye exams. The type of coverage does not necessarily impact the type of doctor that will conduct your eye exam. 

Health Insurance Coverage
Medical conditions, including eye diseases and injuries, usually cover expenses by medical insurance. You can visit your ophthalmologist if you know what coverage you may use. But to give you an idea, here are some of the common conditions that your health insurance may cover for you:

• Eye injuries
• Eye surgery
• Eye infections
• Certain types of laser surgery (most insurance does not cover LASIK surgery)
• Chronic eye conditions like glaucoma, diabetic retinopathy, dry eyes, and cataracts

Vision Insurance Coverage
Preventive eye care is the basic coverage of a vision insurance plan. Here are some of the most common eye care services that your vision insurance company may offer:

• Eyeglass lenses
• Eyeglass frames
• Vision tests
• Contact eye exam
• Contact lenses
• Lens protections

They may offer discounts for LASIK surgery or daily disposable contact lens coverages.

Be Familiar With Your Eye Care Benefits
Understanding any policy, especially about your eye care needs, is essential. This coverage plan may need to be clarified, but it will be helpful if you understand how you can use your benefits. It may not hurt not to have perfect vision at all, but detection and prevention of medical eye problems as early as now are beneficial.

At Hyde Insurance Group, we do our best to ensure that our clients are well-protected with affordable and comprehensive policies. We will go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (888) 345-1215 or Click Here  to request a free quote. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!