WHEN CAN YOU USE YOUR “VISION PLAN”? By Dr. Mark German, Optometrist at Lakeshore Eye Care Professionals with offices in Mequon & Saukville, Wisconsin
Confused about when to use your “Vision Plan” and when to use your regular medical insurance for your eye examination? You are not alone! Not everyone has a Vision Plan but if you do, it is intended for routine care that may not be covered by medical insurance. This means coming in every 1-2 years to be sure your glasses prescription is correct and your eyes are healthy. These plans may also include a discount on glasses or contact lenses every 1-2 years. More often than not either you or your employer has paid extra for this benefit.
While the exam under a Vision Plan may appear pretty much the same as one under medical insurance, the reason for the visit is the key. If you have diabetes, cataracts, macular degeneration, glaucoma, floaters, rapid change in vision, eye pain, red eyes or any other vision or eye problem, then this is a medical visit and will be billed to your medical insurance. Our medical doctors, Drs. Jay and Cueto, do not accept Vision Plans as their patients generally have medical or surgical eye problems.
It is also possible for patients to pay for a Vision Plan that they don’t need. Let’s say you have macular degeneration and your Vision Plan costs you more than the discount on glasses it provides. You would then be better off just paying for your glasses outright as your exam will then be billed to your medical insurance.
Still confused? Our staff will be happy to help you decide which plan is the most appropriate for your visit. Remember if you do have both a Vision Plan and medical insurance, be sure to bring BOTH cards to EACH appointment.
Dr. Mark German is an optometrist practicing with Dr. Martha Jay and Dr. Josephine-Liezl Cueto at Lakeshore Eye Care Professionals with offices in Mequon and Saukville, Wisconsin. For more eye care information, visit www.LakeShoreVision.com or call 262-241-1919.