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What’s the Difference Between Health and Vision Insurance?

Incredible Eye Care Optometry works with many vision insurance carriers and payment plans. Here are the differences.

Your Vision Insurance is separate from your Health Insurance. It’s often from a different insurance provider and covers the annual eye exam necessary to determine if you need an eyeglasses prescription, or a change in the prescription you currently have. Most Vision Insurance has either a moderate allowance for a set of glasses or a fixed dollar amount for contact lens care. Only very rarely are both eyeglasses and contact lenses paid for by your insurance in the same enrollment year. The contact lens coverage typically includes the professional evaluation and a limited supply of contacts.

Your Medical Insurance covers you for anything that has a medical diagnosis. This would include visits for an eye infection, corneal foreign body removal, sudden onset of flashes and floaters, dry eye problems, and chronic or acute allergy issues. Your Medical Insurance would also cover progress evaluations to monitor cataracts, glaucoma and other recurring issues.

What We Need to Know

We check in advance on what your vision plan benefits are, and how often you are elibible for services and materials. Then, we help to maximize the use of these benefits to give the most value in fulfilling your eyecare needs.

To help you, we’ll need the following information about the person covered (the subscriber or employee) by your vision care plan.

  1. Name of subscriber.
  2. Subscriber’s insurance ID number.
  3. Birthdate of subscriber.
  4. Social security number of subscriber.

This information is requested by your vision care company from us so that we can check your eligibility and benefits allowances. Please have this information ready when you call to schedule your appointment. We treat your personal information with great care and keep your data private. We share it only with your vision plan providers and, if necessary, in accordance with Federal HIPAA requirements.

Please call our office for assistance. Our friendly and informed staff will be happy to answer any questions you may have.