Today's health care environment has become more confusing and complex. Understanding your health insurance and vision benefits is not as easy as it once was. Our practice has provided this information to untangle and clarify many misconceptions about third party care and your vision.
It is important for all patients to understand a fundamental principle of the third party mechanism. Unless your provider (doctor or health care facility) specifically takes assignment of benefits, the patient is ultimately responsible for any non-covered services and their charges. The insurance relationship is between the patient and the insurance company not between the patient and the provider.
Many common vision insurance programs only cover the vision part of the overall eye health examination. There are two distinct and important elements to every visit to our practice.
First, the most important aspect of your visit today is to insure quality of life by providing you with a comprehensive, thorough medical examination of your visual system. Many eye diseases that affect your vision have few or no symptoms until the problem has become sight-threatening. Routine eye health examinations are critical to prevent debilitating eye disease. Secondly, each comprehensive medical eye exam will include a vision component to analyze and prescribe, if necessary, eyewear or contact lenses to correct your vision.
It may be necessary for your doctor to perform additional special testing to insure the overall systemic health of your eyes. Some of this additional testing may not be covered as part of your vision benefit. Payment for these additional special tests is the financial responsibility of each patient.
The following is a summary of the major Vision Insurance programs. Hopefully, this information will be helpful to all patients in choosing proper eyewear, contact lenses and eye care for themselves and their families. Please feel free to ask our Insurance Benefit Coordinator if you have any questions about your specific vision insurance or medical coverage during your visit today.
VSP and MES
The Vision Service Plan (VSP) and Medical Eye Services (MES) - In most cases, VSP and MES will fully cover your eye health and vision exam. In some cases, there may be a co-pay on the part of each patient. The co-pay must be paid at the time of service. The eyewear component of the Vision Service Plan and Medical Eye Services contributes or subsidizes the purchase of your eyewear. Each specific Vision Service Plan and Medical Eye Services subsidizes eyewear purchases at different levels. The Vision Service Plan is not an entitlement plan and patients are free to choose any frame or lens option recommended by their doctor. Our professional optical staff will be happy to determine if any out-of-pocket costs will be incurred by the patient.