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Vision care insurance is insurance that provides coverage for services relating to the care and treatment of the eyes. It typically covers services delivered by an optometrist or opthamologist. Depending on the specific plan, some or all of the following services may be covered: |
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Some vision plans may provide more extensive coverage (such as certain eye surgeries), while others may limit coverage to "reasonable and customary" charges incurred during routine eye exams. Reasonable and customary charges generally don't include the cost of glasses and contact lenses. |
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How does it work? Vision care insurance may provide direct payment to the eye care provider for the services you receive. Or you may be required to cover the charges out-of-pocket at the time of service, and then file a claim for reimbursement. It depends on the specific plan. |