At Robinson Family Eyecare Clinic, our goal is to promote good eye health and enable you to have the clearest vision possible. We accept several types of vision insurance, cash, checks, and most credit cards. We inform our patients about exam and treatment costs prior to your appointment. If you require a breakdown of costs, please let us know.
It is important that you understand that your Vision Plan (EyeMed & VSP) covers ROUTINE well-eye exams only (nearsightedness, farsightedness, and normal astigmatism) which includes the refraction to determine your eyeglass prescription. Some plans provide a limited contact lens evaluation benefit while many other do not provide any contact lens evaluation benefit. In addition, your plan may provide discounts or allowances towards eyeglass frames, lenses or contact lenses. As part of your routine well-eye exam, our doctors examine your eyes for many conditions and diseases including glaucoma, dry eyes, cataracts, retinal holes or tears, diabetic and hypertensive eye diseases, just to name a few.
If your routine well-eye exam reveals a medical condition or disease related to your eye that requires specific counseling, documentation, follow-up care, regular monitoring or referral to a surgeon, or if the exam is related to a pre-existing medical condition such as cataracts, glaucoma, diabetes, dry eyes, etc., then your visit is NOT COVERED by your Vision Plan. For instance, if you come in for a routine well-eye exam simply because you are having difficulty seeing with your current glasses, but it is found that your reduced visual acuity is due to developing cataracts, then your exam would have to be billed to your medical insurance. Unfortunately, the doctor cannot tell if medical eye conditions exist before you are thoroughly examined.
The good news is that your Medical Insurance can be used when an eye-related medical problem such as eye injuries, pink eye, double vision, headaches, cataracts, dry eyes, complications from diabetes or high blood pressure (among many others) is found during the eye examination. You do not need a vision benefits rider on your medical insurance to be covered for a medical eye condition, as it is covered in a similar fashion to the way that a visit to any medical specialist is covered. In these cases, your Medical Insurance will be billed for the eye exam even though a Vision Plan may also be in effect because you are being treated for a medical condition.
Your Medical Insurance co-pays and deductibles prevail and must be paid at the time of your exam. If a referral is required by your insurance plan to see a specialist, then you are responsible to obtain it. Additionally, if we do file the claim for your exam with your medical insurance, you can still use your Vision Plan material benefits towards the purchase of eyeglass frames, lenses or contact lenses based on your specific plan's allowances.
Contact our office at 260-203-5905 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. Unfortunately, we are unable to view HSA or FSA Plan benefits. FSAs can typically be used in conjunction with any vision insurance plan to offset any out-of-pocket costs on your behalf.
We know that it can seem like a complicated process, but these are the rules set by your insurance company. If you still have questions about Vision vs Medical Insurance, we would be happy to answer any questions that you may have about your insurance coverage.