What Eye Insurance Coverage Is Right For Me?

It can be costly to be able to see clearly, but sight is one of the most important senses. Most of the time, the vision plan you receive through work will be inadequate. Insurance companies are also notably sticklers about whom they pay and what they pay for and who and what they do not. Some companies will cover medical problems but not routine eye exams unless the doctor uncovers a medical condition.

Your work insurance may cover eye exams with a small co-pay, around ten to twenty dollars. The fine print is that it has to be at a participating facility, and your eye doctor in NH may not accept your insurance.

If you have a pre-existing eye condition that is mostly cosmetic, such as blepharoplasty (a condition that causes overhanging skin of the eyelid) it may not be covered under your insurance. Before you ask, it is a good idea to get a complete eye exam by an eye doctor in NH. If it can be proven that the blepharoplasty is impeding 25 percent of more of your vision, it may be covered.

Most of the time you can get by with a combination of regular medical insurance from a reputable, well known company and a copy of a vision service plan (VSP) offered through your employer or paid for by you. The vision plan will cover the exam and the medical insurance may cover any eye conditions that your eye doctor in NH may cover, such as glaucoma or macular degeneration. If you return next year, your medical insurance may cover the eye exam if the doctor found a medical condition.

The often confusing world of vision insurance is not helped by the insurance companies and their regulations. If you can get medical insurance plus a vision service plan, you will be all set for your next eye exam.