Does Health Insurance Cover Eye Exams?

Eye health is integral to overall well-being, yet many Americans overlook the importance of regular eye exams. In this blog, we’ll explore whether health insurance covers eye exams and also discuss coverage for routine and medically necessary exams. Read to know more.
Does Health Insurance Cover Eye Exams?
Although coverage may differ depending on one's plan, eye exams are often covered by health insurance. But there's more to this topic. Here's what you need to know.
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Eye health is integral to overall well-being, yet many Americans overlook the importance of regular eye exams. According to the American Academy of Ophthalmology, 64% of adults in the U.S. suffer from some eye problem.

In this blog post, we will explore whether health insurance covers eye exams and also discuss coverage for routine and medically necessary exams. 

Does Health Insurance Cover Eye Exams?

Although coverage may differ depending on one’s plan, eye exams are often covered by health insurance. Routine eye exams are included in several medical aid plans as part of preventive care benefits (AAO). However, details such as copayments, deductibles, and coinsurance vary among different plans or providers.

In addition, patients need to go through their policy documents or contact their insurance provider information desk directly before getting an understanding of what specific conditions apply for eye examination coverage.

Coverage for Routine Eye Exams

Routine eye exams are crucial for maintaining optimal eye health and detecting vision problems early. Many health insurance plans offer coverage for routine eye exams as part of preventive care benefits. Nevertheless, the details of a particular policy depend on your insurer and the type of coverage you have. The provision of this service will vary according to particular plans and how often such check-ups occur.

In-Network vs. Out-of-Network Coverage

In-Network:  Using an in-network eye care provider typically leads to lower out-of-pocket costs.  Your insurance company has negotiated pre-determined rates with these providers.

Out-of-Network:  Seeing an out-of-network provider might result in higher costs, as your insurance may not cover the full amount of the exam.

Copays, Deductibles, and Coinsurance

  • Copay:  A fixed amount you pay upfront for a covered service, like an eye exam.
  • Deductible:  The annual amount you must pay out of pocket before your insurance starts covering costs.
  • Coinsurance:  A percentage of the covered service cost you share with your insurance company after meeting your deductible.

Coverage for Medically Necessary Eye Exams

In addition to routine eye exams, health insurance plans may cover medically necessary eye exams. These exams are conducted to diagnose and manage eye conditions or diseases, such as glaucoma or diabetic retinopathy. Coverage for medically necessary eye exams may vary depending on the individual’s medical history and the insurance provider’s policies.

Coverage for Vision Correction

Health insurance coverage for vision correction options like eyeglasses and contact lenses varies among plans. Some insurance plans offer coverage for vision correction devices, while others may provide discounts or allowances toward the purchase of eyewear.

Eyeglasses Coverage

Eyeglasses are necessary for individuals with eye problems like farsightedness, nearsightedness, and astigmatism. Some health insurance plans have provisions that include eyeglasses, but in most cases, the benefits are for frames and lenses. Some health insurance policies cover lenses, but this depends on different aspects. 

Contact Lenses Coverage

Contact lenses offer an alternative vision correction option for individuals who prefer not to wear eyeglasses. While some health insurance plans provide coverage for contact lenses, coverage details may vary. Insurance coverage for contact lenses may include allowances for the purchase of contact lenses or discounts on contact lens materials.


Regular eye exams are essential in maintaining good eye health and detecting vision problems early. Most of these plans cover routine eye exams, though coverage is subject to plan and provider. Understanding your insurance coverage for eye exams is vital so you can make informed choices about your vision care needs, including copays, deductibles, and coinsurance.

Exploring platforms such as Beem can provide further insights into affordable healthcare options, enabling individuals to make the most suitable choices for their needs. 


Does Medicare cover eye infections?

Medicare covers all medically necessary services for eye infections, including visits to doctors, diagnostic tests, and prescription medications. However, coverage may differ depending on the specific Medicare plan and the severity of the infection. Individuals should consult their Medicare plan documents or contact Medicare directly for information on eye infection coverage.

What is something that would not be covered by eye insurance?

While routine eye exams, prescription eyewear, and treatment for some eye problems are typically included in vision insurance policies, elective procedures such as LASIK surgery or cosmetic enhancements like colored contact lenses might not be part of the package. Additionally, under regular optical insurance plans, there won’t be any coverage of costs related to spectacles upgrades or non-medical treatments.

What is the best eye vision insurance?

The best vision insurance for your eyes depends on your budgetary constraints and personal preferences. Some popular companies include VSP Vision Care, EyeMed, and Davis Vision. To find a suitable fit for your specific visual care requirements, you must compare different plan options, coverage benefits, provider networks, and costs.

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Raman Gujral

An achievement-oriented professional, Raman has 10+ years of experience in B2B SaaS and B2C products across Fintech, Telecom, Digital Media, Social Media and Logistics domains. Defining and communicating product vision and strategy, product roadmap development, product positioning, and data analysis, he is also an expert in health insurance and personal loans content.


This page is purely informational. Beem does not provide financial, legal or accounting advice. This article has been prepared for informational purposes only. It is not intended to provide financial, legal or accounting advice and should not be relied on for the same. Please consult your own financial, legal and accounting advisors before engaging in any transactions.

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