Wellness Health Checks
How will an eye doctor perform eye examination without refraction? UHC restricts the wellness plan to it.?
Our health insurance “benefit” plan states the next: Types of coverage, wellness plan, eye examination without refraction. How does it look like in the reality? Will the doctor stop: “oops, I can not check if you need glasses, but you might have cataract”. Where is the benefit? Insurance plan: UHC Choice PLUS, for a family of 3: $ 300 per month.
From what you describe, it does appear that your plan would cover what is called a “medical eye exam” but not the exam required to prescribe glasses. There should not be any “oops,” but rather an up-front explanation that if you would like a prescription for glasses you will have to pay out-of-pocket for that.
Dealing with modern insurance is frustrating for both the patient and the doctor. Remember that it is the insurance (not the doctor) that makes the rules. A refraction is a time-consuming task that takes skill to perform properly. If it is not covered by your insurance expect to pay anywhere between $25-90 (depending) for this.
Sincerely,
David D. Richardson, M.D.
Medical Director
San Gabriel Valley Eye Associates, Inc.
LA and So Cal’s Trusted Source of Eyecare
207 S. Santa Anita Street, Suite P-25
San Gabriel, CA 91776
626.289.7856
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