Direct answer
Standard vision insurance covers routine wellness eye exams, but visits for treating medical conditions or eye diseases are typically covered under your major medical health insurance plan instead.
Consult the coordination of benefits section within your combined health and vision insurance provider handbook. For additional information about how medical and vision coverage can overlap, see the American Optometric Association‘s guidance on insurance coordination.
What this means for you
Standard vision insurance covers routine wellness eye exams, but visits for treating medical conditions or eye diseases are typically covered under your major medical health insurance plan instead.
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