Understanding The Difference Between Medical Vs. Vision Insurance
Vision coverage is mainly designed to provide routine eye exams for eyeglasses and or contact lenses. It is not designed or equipped to address any medical conditions, diagnoses, and/or treatment plans. When a medical diagnosis or condition is present (such as high blood pressure, diabetes, or an eye disease such as infections, dry eyes, allergy, and cataracts, to name just a few) it is necessary to file the claim for your visit with your major medical carrier and the co-pays for that insurance will apply as well as any non-covered service. Vision insurance does not cover medical eye problems. These guidelines are defined by the insurance carriers themselves. Our office does not make these rules, we just follow them
Contact our office at (281) 969-3931 to find out if your insurance provider is accepted in our office or for more information about your vision coverage.
Flexible Spending Accounts
Many employers are offering Flexible Spending Account (FSA) options to employees. Sometimes these are referred to as cafeteria plans and are elective, supplemental insurance savings plans. These plans are designed to let you save money in an account, pre-tax, to pay for additional medical expenses such as eye exams, glasses, contacts, and often laser vision surgery. Check with the benefits administrator at your work to see if you are eligible for this program. FSAs can typically be used in conjunction with any vision insurance plan to offset any out-of-pocket costs on your behalf.
If you do not see your plan listed here, please give us a call and we would be happy to assist you. Our staff is also always available to answer any questions regarding your benefits.