Which policy covers an eye injury or disease?
Routine vision exams by optometrists or general ophthalmologists may produce final diagnoses such as nearsightedness, farsightedness or astigmatism. During this exam, the optometrist or general ophthalmologist might detect a problem related to diabetes or some other disease.
A medical eye exam may produce a diagnosis such as conjunctivitis (pink eye), a common occurrence among children.
Most insurance companies focus on the reason for your visit, so your health insurance probably would not cover a routine eye exam but, a follow-up visit to your doctor because of a problem detected during a routine eye exam might very well be covered. Plus, your health insurance probably would cover a doctor's visit for an eye disease or eye injury.
Do I need vision care insurance?
If you or members of your family wear corrective lenses and need periodic eye exams and changes in your eye lens prescription, it may be worthwhile to purchase vision care insurance. If you do not currently wear or need glasses, you may be able to get a periodic eye exam through your regular health insurance plan.