1. 5527 POINTS
    Marlin McKelvy
    President, Consumer Directed Benefit Solutions, Memphis, Tennessee
    You would be best served to assume the answer to this question will be "No", especially if you are over age 18. Vision exams, eyeglasses and contact lenses are generally covered under a separate vision insurance plan if your employer offers one or you choose to purchase coverage in the individual market. There are certainly some self-funded employer health plans and union health plans that include vision coverage in the major medical package but these are relatively rare.

    An area of confusion and frustration for many businesses and individuals who are purchasing health insurance plans that meet the minimum essential benefits requirements of the Affordable Care Act (ObamaCare) is that it requires that PEDIATRIC dental and vision services be covered under the major medical plan. Of course, some people just hear the dental & vision part and think it applies to adults enrolled in the plan (it doesn't). The other big surprise can be how the pediatric dental & vision benefits are structured in the health plan. Preventive dental and an annual eye exam should be covered at 100%. After that, the coverage can vary wildly from one insurance carrier to the next. Some design their pediatric dental & vision benefits like standard vision and dental insurance plans that people have been accustomed to. However, it is not uncommon to find that non-preventive pediatric dental and vision services are subject to the major medical plan's deductible and co-insurance provisions. So, technically your child's eyeglasses may be covered but if you have a $4000 deductible you haven't met then in practical terms this will mean your child's eyeglasses will be an out-of-pocket expense.
    Answered on September 29, 2014
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