Vision and Medical Insurance
Medical insurance and vision benefits plans can be extremely confusing! At Remke Eye Clinic we never want confusion or frustration to stand between you and top-quality eye care. We have created this section with a couple of valuable resources to help you better understand your healthcare coverage options, including recommendations and tips on how to maximize your eye care experiences. If you ever have any questions or concerns about your coverage or ability to receive care, please do not hesitate to contact our office.
The medical insurance landscape is rapidly changing, so sometimes it can be difficult to keep up with all of your options. Usually, medical insurance is an insurance policy that you pay premiums for to use for the sole purpose of seeking medical care when needed. There are many medical insurance companies to choose from, and each company has their own network of doctors and standard services provided based on your eligibility. You can sign up for medical insurance individually, as a family or receive it as part of an employment package. Medical insurance can also be obtained through governmental programs such as Medicare or Medicaid.
What is vision insurance?
Vision insurance is different than medical insurance in that it only entitles you to specific eye care services and benefits based on the policy you select. Typically, vision insurance covers the cost of a comprehensive eye exam on a pre-set annual schedule. It will also often provide discounts or set dollar amounts to be applied to the purchase of eyeglasses or contact lenses. Some vision insurance companies will also offer discounts towards refractive surgeries, such as LASIK.
Do you need both medical and vision insurance?
Obviously, the choice to enroll in any type of insurance or benefit program is a personal decision. Because of potentially high healthcare costs, being a part of an insurance or benefit program can be helpful for the cost of care. Typically, medical insurance does not cover you for routine eye care (exams, glasses, contacts, etc.). Instead, medical insurance can cover eye-related diseases and problems such as infections. Vision insurance or benefits are designed to cover or assist with the routine parts of eye care not covered by medical insurance. It is important to understand that while there are many different eye-related problems that you can have, they are not all going to be covered under any one insurance policy or benefit plan. A hypothetical person who wears glasses for their myopia and suffers from diabetic retinopathy will need medical insurance for the diabetes related problems in their eyes and vision insurance or benefits for their eyeglasses. It can become very complex, very quickly! Talk to your eye doctor today if you have any questions or concerns regarding your coverage.
Is there a better option for vision coverage?
Yes! Remke Eye Clinic is extremely proud to offer Vision Care Direct to all of their patients who wish to receive top-quality eye care as part of an affordable, convenient vision plan. If you currently do not have vision coverage, are interested in learning more about Vision Care Direct or you are an employer who is interested in offering vision benefits to your employees please visit our Vision Care Direct page today. Signing up is fast and easy and you can begin using your benefits instantly! Vision Care Direct is the plan that Remke Eye Clinic recommends for all of its patients! If I have questions about my medical or vision coverage, whom can I talk to? We know that the insurance side of healthcare can be extremely confusing and frustrating! We want to help you in any way that we can, so if you ever find yourself with questions about your coverage or options please contact our office.
Vision Care Direct
Vision Plans We Accept
Medical Plans We Accept
Common Insurance Terms
- Co-pay: a fixed amount that you owe each time you receive care from a provider in your covered network
- Deductible: the portion that you must pay before your medical or vision plan will begin to pay their portion of health expenses
- Exclusion: medical or vision service that is not covered by your plan
- Network: a group of providers that have agreed to provide care to a particular plan’s members for pre-set fees below their normal fees
- Out-of-network: providers who have not contracted to provide services to a particular plan’s members for reduced fees
- Provider: a health care professional that provides services to patients