It’s a common question and an important one. Understanding the difference between medical and vision insurance can help you avoid unexpected costs and maximize your benefits. At Livermore Optometry Group, we’ll help you understand which type of coverage applies to your visit and simplify billing.
What's the Difference Between Medical & Vision Insurance?
What Does Vision Insurance Cover?
Vision insurance covers routine eye care, including:
- Annual comprehensive eye exams
- Eyeglass frames and lenses
- Contact lenses and fittings (in many cases)
- Lens upgrades like blue light filters or anti-glare coatings
These services focus on maintaining everyday vision, not diagnosing or treating medical eye conditions.
What Does Medical Insurance Cover?
Medical insurance covers visits related to the health of your eyes, such as:
- Eye infections, injuries, or inflammation
- Sudden vision changes or loss
- Dry eye symptoms
- Diabetes or high blood pressure–related eye monitoring
- Glaucoma, macular degeneration, and other eye diseases
If your visit is related to a medical issue, we’ll typically bill your medical insurance, even if we’re using the same equipment or performing a similar exam.
Can I Use Both Types of Insurance?
Sometimes, yes. For example:
Your vision insurance may cover a routine exam and glasses.
Your medical insurance may cover a separate visit for dry eye, allergies, or diabetic screening.
If you need both services, we’ll help schedule them accordingly, or combine your care and coordinate benefits when possible. You don’t need to worry about figuring it out; we’ll handle the details for you.
Still Have Questions About Coverage?
Insurance can be confusing, but we’re here to help. Contact our front desk and we’ll verify your benefits, explain how they apply to your visit, and make sure you feel informed before your appointment.