Does vision care insurance cover the charge of a routine eye exam?

Some vision-care insurance plans cover the cost of a routine eye exam. More commonly, the plans offer a discount on the charge or make you pay a standard co-pay. Read the plan carefully to find out which services it covers fully and which are discounted and what your co-pay is.

 

Most vision care insurance plans pay for the cost of a basic eye exam after any applicable member co-pay amount, which may or may not include dilation. With a basic eye exam, the eye doctor will use different machines and instruments to accurately check your eyes to see if they are healthy or if you need corrective lenses. The doctor may dilate your eyes so he or she can check for diseases that may require additional treatment. If you already have corrective lenses, the ophthalmologist or optometrist will assess your current lenses and compare these to the vision test results to determine if you need new glasses.