HOW VISION INSURANCE DIFFERS FROM MEDICAL INSURANCE
There are two types of “insurance” you may have which will help pay for your eye care services and products. Our practice accepts both: 1. Vision care plans (such as VSP and EyeMed) and 2. Medical insurance (such as Blue Cross/Blue Shield and Medicare).
Vision care plans are not true insurance and only help cover one routine vision exam per year, along with eyeglasses or contact lenses. Vision plans only cover a basic screening for eye disease for healthy individuals. They do not cover diagnosis, management or treatment of eye diseases.
Medical insurance must be used if you have any eye health problem or systemic health problem that requires specialty care, testing or has ocular complications. Diabetes is a very common example. Your doctor will determine if these conditions apply to you, but some are determined by your medical history. If you have both types of plans it may be necessary for us to bill some services to one plan and other services to the other. We will do our best to properly bill and coordinate(when possible) your benefits to minimize your out-of-pocket expense. If some fees are not paid by your plan, you will receive notice from your insurer and a statement from us for any unpaid deductibles, co-pays or non-covered services determined by your insurance contract – we do not determine your coverage. If you have two medical plans please coordinate them so your insurance claims are easy for all the providers you see and you are not billed for something that should have been forwarded to your secondary insurance company (by your primary insurance company).
For more information on insurance, please visit our insurance page.