Health insurance is essential for ensuring you and your family have coverage to help pay for medical expenses. However, not all health insurance policies are the same. Some may offer discounted prescriptions, while others feature lower deductibles. But does health insurance include coverage for dental and vision care?
Things Excluded
Generally, health insurance does not cover routine visits to the optometrist for eye exams, nor does it cover the cost of glasses, contact lenses, or procedures such as LASIK. However, some insurance companies offer vision insurance as an additional option. An agent at QuoteBroker Insurance Services can help you determine whether your prescription glasses or other vision needs are covered.
Commonly Covered
While routine vision care is often excluded, medical emergencies and treatments related to your eyes are typically covered under health insurance policies in Santa Clarita, CA. For example, coverage may include surgery for cataracts, vision loss due to diabetes, corneal damage from an accident, and other medical conditions. It’s important to disclose any pre-existing medical conditions to your insurance company to ensure your treatments are covered.
Deductible
Many insurance policies include a deductible that applies to vision insurance. You may need to pay a co-pay for office visits or cover a portion of the cost for glasses. Additionally, most policies require you to pay 100% of your medical expenses until your deductible is met.
For instance, if your deductible is $1,000, you must pay for all medical expenses out of pocket until you reach that amount. Afterward, your insurance coverage will take effect.
We understand that navigating the complexities of medical insurance can be overwhelming. Agents at QuoteBroker Insurance Services are here to explain everything you need to know. Contact us today to learn more. We proudly serve the Santa Clarita, CA area.
