Medical Eye Care vs Routine Vision Plans

What medical insurance covers versus a vision rider.

Two different benefits

Medical plans cover eye disease and injury. Routine vision plans cover exams and eyewear allowances.

Do not assume glasses are covered by your medical plan.

When medical applies

Glaucoma, macular degeneration, infections, and injury visits are medical — use your medical network and benefits.

Routine refraction and frames usually need vision coverage or cash pay.

Next step

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Frequently asked questions

Can I use both in one year?
Yes in many cases — medical visits under medical benefits, routine eyewear under vision.
Does Medicare cover routine glasses?
Original Medicare generally does not cover routine glasses except after certain cataract surgeries.

Sources