Vision care coverage is not mandated for adults by the ACA.
If a health plan includes dental, the premium covers both health and dental coverage. Having said that, in most states, stand-alone vision plans are not offered through the exchanges, and even if they are, you can’t use your premium subsidy to offset their cost.
Several of the fully state-run exchanges have established partnership arrangements with a stand-alone vision coverage company (VSP, in most cases, although California’s exchange also works with EyeMed). In these states, visitors to the exchange are directed to a link where they can purchase stand-alone vision coverage directly from the vision coverage provider.
Keep in mind though, that when you choose a separate vision plan, you’ll pay a separate, additional premium. To shop for stand-alone vision plans, contact Insurance Pro at 407.847.7000.
When we talk about vision coverage, we’re generally referring to optometry care
Optometry care involves the process of vision testing and correction, and is generally not covered under health insurance plans for adults.
However, ophthalmology services to treat eye injuries, illnesses (such as cataracts), or infections would generally be covered by health insurance policies, subject to the same cost-sharing as other medical conditions. Note that although LASIK surgery is done by ophthalmologists, it is almost never covered by self-purchased health insurance; LASIK falls under the category of vision correction, rather than treatment for an injury or illness that’s affecting the eye.
Only some plans include vision coverage for adults
A health benefit that at least partially covers vision care, like eye exams and glasses. All Obamacare plans include vision coverage for children.
The Affordable Care Act requires coverage for pediatric vision care as one of the essential health benefits
So for children under the age of 19, vision coverage is included in all new small group and individual health insurance plans (with effective dates of January 2014 or later), on and off-exchange. This means kids have coverage for eye exams, vision screening, and glasses or contact lenses to correct vision problems.
Any Questions About ACA – Obamacare?
Contact us if you have questions about ACA-Obamacare or Medicare Advantage. Call us also to find out if you qualify for a $0 Mo.
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