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Ask the Expert
Insuring Your Vision

October 2016

static1.squarespace.comSeidenberg Protzko Eye Associates specializes in general ophthalmology, which includes cataract, refractive, and pediatric surgery, as well as therapeutic optometry. Seidenberg Protzko Eye Associates has offices in Bel Air, Havre de Grace, Elkton and Chestertown, Md. Seidenberg Protzko Eye Associates regularly provides lectures, screenings and onsite education and is involved in many community activities.

Q: Where does health insurance coverage end and vision insurance coverage begin?
A: Always check with your eye care provider to determine your individual coverage. Most health plans include:
• Pediatric eye care – this is important, because many conditions like amblyopia (lazy eye), strabismus (crossed eyes) myopia and hyperopia (nearsightedness and farsightedness) can be corrected if caught at an early age. Children should have their first eye exam by age 3, then every two years after that. Insurance usually covers these examinations.
• Diseases of the eye – usually pink eye and other eye infections can be treated by a general practitioner, so they are covered by medical insurance. Treatment by an eye specialist for these may require a referral.
• Eye injuries – anything from a scratched cornea to a detached retina can qualify as an eye injury. Most health care plans will cover the injury and any necessary surgery associated with it.

Vision insurance is a valuable addition to an employee benefit plan, if someone in your family wears glasses or contacts or is planning to have elective eye surgery. Vision benefits packages traditionally cover annual adult eye exams and glasses, and they often offer discounted rates for contacts and laser surgery. There may be an annual membership fee, a small co-pay for services, or a deductible. Evaluate whether or not the coverage fits your family’s needs.

You can also use your health spending account (HSA) to pay for vision services not covered by medical or vision insurance. I95

Seidenberg Protzko Assoc.