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Gwennie

no insurance, eye exam

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Just figured out that since we didn't sign up for the vision insurance, that my health insurance doesn't even cover a routine eye exam. The earliest I can get enrolled is in January. I know my vision isn't quite as good as it was. I've always had excellent vision, now I need reading glasses. Is it imperative that I get a vision exam before January, or is it ok to wait until I get insurance?

 

Gwennie

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I think it would not only be more economical, but BETTER for you to wait.

 

As your numbers come down and the glucose leaves your lenses, your eyes will stabilize.

 

You could otherwise end up buying a prescription that is useless to you.

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Do you currently have NO insurance at all, or just no vision rider in your plan? If you do have regular health insurance they generally do cover eye exams but you most likely will have to see an ophthalmologist and not an optometrist. An ophthalmologist is a medical doctor and is considered a specialist under most insurance plans so you'd have to follow the rules for that (you may need a referral from your PCP, for example).

 

For years I figured that since my insurance didn't have a vision rider, eye exams weren't covered. I even called and asked them and was told no. Then my boss mentioned going to his eye doctor and said he never had a problem with it. For the last 5 years or so I've been seeing an ophthalmologist under my medical insurance for my exams. I don't have any coverage for things like eyeglasses or contacts, but the exams are covered.

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I am currently buying $7 reading glasses from Walmart. They work quite well and I'm still on the lower magnification. My long distance vision is fine. Alrighty then, I'll just wait til January. I just didn't know if there was some degeneration that needed to be looked at when sugars were high.

 

Gwennie

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You can likely get an annual eye exam with an ophthalmologist under your health insurance plan with a diagnosis of diabetes. I'd encourage you to do this after your numbers have been good for 2-3 months and your vision stabilizes.

 

Afterwards, just get them to write you a prescription for the glasses you need and shop around for the best price.

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Interesting. I'll check that out. I do have medical insurance, but no vision insurance. I'm seeing a doc again today because of my ER visit yesterday, so I'll see what he has to say.

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Interesting. I'll check that out. I do have medical insurance, but no vision insurance. I'm seeing a doc again today because of my ER visit yesterday, so I'll see what he has to say.

 

I saw a retinologist, that was covered, but he did not do refractions.

 

My optometrist now does retinal scans, which ARE covered by my vision insurance ... interestingly.

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I saw a retinologist, that was covered, but he did not do refractions.

 

I know that there was one test my ophthalmologist did that wasn't covered by insurance but I don't remember what it was. Earlier this year I saw a retina specialist as well and that was covered. I see my ophthalmologist twice a year now even though I have no problems. She said that since I've had diabetes for over 20 years it's just a good idea to go in twice a year rather than once.

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I am currently buying $7 reading glasses from Walmart. They work quite well and I'm still on the lower magnification. My long distance vision is fine. Alrighty then, I'll just wait til January. I just didn't know if there was some degeneration that needed to be looked at when sugars were high.

 

Gwennie

 

I use cheap readers, I have no eye insurance but my regular insurance covers me to go to a specialist once a year to do a diabetes check on my eyes. It is covered except for the co-pay.

 

I think I might need regular glasses soon too, I am shopping around for the cheapest place.

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I have no vision insurance as well. Went to eye doc right before my surgery, $500 later I have a new pair of glasses that now I can't see out of. Eyes went from bad to really good to just ok on the vision end.

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I have no vision insurance as well. Went to eye doc right before my surgery, $500 later I have a new pair of glasses that now I can't see out of. Eyes went from bad to really good to just ok on the vision end.

 

UGh, I hate having to dish out that much cash!!!:(

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My diabetes was picked up by my eye doctor. She referred me to the opthamologist who ran much more involved tests. The costs of the optamologist went on my medical insurance towards my extremely high deductible. So check with your insurance company an optamologist may be covered for specific disease. You can get readers at any drug store, Target, Costco, etc.

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Check for a Goodwill store near you, then check to see if they have a vision dept. My local one does and they offer full eye exam (including dilation if diabetic) for $35 .. pair of glasses w/cheapo frames for $100 too.

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From your post you were diagnosed a couple of months ago. Imho, I would try to find an inexpensive exam that would dilate your eyes and look for any bleeding. I don't know if you have Costco in your area, but I went to the local store and he dilated mine a few weeks after diagnosis and told me I didn't have any bleeders. I went from 20/20 before diagnosis to blind as a bat after. I couldn't make out the price signs at the store, it was just white paper with grey/black smears on them. After a couple of weeks my eyes settled down and I only need readers for very small type (like on a vitamin bottle). Knowing my eyes were okay was worth the $40 or $50 I spent. I made sure the doctor knew I was just diagnosed type 2 before starting and he was very diligent at helping and educating me. Good luck whatever you decide.:)

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I got an appointment with an opthamologist that will be covered with my medical insurance. Since it is covered, I might as well get my eyes checked out. BTW, my sugars have been somewhat elevated for a while. They spiked when I got on the thyroid medicine. I'm just starting to get treated because I didn't realize that my mildly elevated sugars were a problem. I have had diabetes for a while.

 

Gwennie

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I found the progressive glasses I first got when I was dx'd had to be adjusted several months later because my vision actually got better. Your medical insurance will probably cover the tests and appointment but not the glasses. I had one of those dye tests so they could look at the back of your eye to check for leaking vessels.

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At this point I am seeking only a vision test. I am ok with cheap reading glasses. I just want to make sure my eyes are fine since it has been years ago when I last had them checked.

 

Gwennie

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I went to the Cleveland Clinic's Opthamology center for the complex testing. I think it cost me around $500 for the testing. Since we have high deductible it went toward the deductible. If you only need glasses for reading go for the cheap readers. I needed a low prescription for driving, so opted for the progressives which were about $500, too.

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