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How Does Vision Insurance Handle Degenerative Eye Diseases?

December 1, 2020

More than 12 million people above the age of 40 suffer some vision impairment in the U.S. A significant part of those people suffers some degenerative eye diseases, like cataracts or macular degeneration. Furthermore, 2,000 U.S. workers sustain job-related eye damages that need medical treatment every day!

That is why it’s essential to have group insurance that can help you manage specific medical procedure costs. But does vision insurance cover the costs of eye diseases? Or is that covered only with medical insurance?

Medical or Vision Insurance for Eye Diseases?

Not all vision insurance cover fully degenerative eye diseases, as they mostly pay for the exams and equipment needed to obtain decent glasses or contact lenses. Most medical insurance will cover the costs of diagnosis and treating eye diseases. But in reality, both are good to have for chronic diseases related to the eyes.

A regular eye check can catch eye diseases while still manageable; a medical doctor can take additional examinations and begin proper treatment. That’s why both insurances should go hand in hand. 

Let’s take a further look at common degenerative eye diseases and how vision insurance can help.


Often referred to as “lazy eye.” This is a common vision impairment in children that can cause blindness to the affected eye if left untreated. Amblyopia happens when the brain favors one eye over the other one. 

Treatment might involve corrective eyeglasses or contact lenses, covered by vision insurance


This vision impairment is one of the most common eye problems in the U.S and the world. It usually affects adults in their 40s to 50s. Cataracts are a clouding of the eye’s lens, causing a blur in the eyesight.

If the cataract is caught in the early stages, eyeglasses can counter its effects. With the help of an optometrist and an optician, someone who has had a cataract can have their vision repaired. But sometimes surgery is needed to reverse the effects, which medical insurance may cover.

Diabetic Retinopathy

Retinopathy is the principal cause of blindness among people with diabetes. Retinopathy occurs when the blood vessels in the eye become damaged and, in turn, damage the retina. Annual eye exams can help prevent any damage, as an optometrist can see if any blood vessel is damaged.


Glaucoma happens when the eye’s optic nerve is damaged. The treatments can include eye drops or surgery. If your vision has become damaged because of glaucoma, then you will need eyeglasses to correct the damage.

Detecting Early Degenerative Eye Diseases is Possible

As you’ve seen, catching degenerative eye diseases early on is possible with the help of a vision doctor. Even if it’s too late, an optometrist can help with any damage caused. You need both medical and vision insurance if you want the best for those around you. 

If you need further help in getting group insurance that includes medical and vision, please contact us. We have 20 years of expertise and knowledge in the insurance industry. We are sure we can provide you with the best group insurance out there.