Morris Eye Group
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      • Jeffrey B. Morris, M.D.
      • Ardalan Eddie Aminlari, M.D.
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FAQ: Medical Insurance vs. Vision Insurance

3/16/2023

3 Comments

 
​Why does Morris Eye Group ask for my Medical insurance? 
Morris Eye Group is a medical practice specializing in ophthalmology that diagnoses and treats medical conditions associated with the eye. Medical insurance generally covers eye care in relation to a medical condition. For example, if you need an eye exam because of cataracts, dry eyes, complications from diabetes, or in relation to diagnosed high blood pressure, then your medical insurance will provide coverage with ophthalmologist/optometrist. Medicare and other Medical Insurance Plans do cover the portion of the eye examination devoted to the determination of eye disease and the treatment of that disease.  Medical plans also cover diagnostic testing to aid the doctor in diagnosing eye disease and monitoring its progress.  If you have diagnostic testing performed, charges for these services will be billed to your medical insurance carrier.  You will be responsible for any copays, coinsurance and medical deductibles associated with your specific insurance plans. Vision insurance covers the vision screening, a refraction which is the test performed to obtain a glasses prescription, including dilation, and benefits towards glasses/ contact lenses. Vision Insurance rarely covers diagnostic testing to diagnose eye disease or monitor its progress.  If you need those services, their charges will be applied to your medical insurance plan, and any deductibles of coinsurance requirements of your medical insurance plan will apply.  Vision Insurance typically covers an eye exam once every 12-24 months, depending on the plan. Medical Insurance can be used as frequently as the doctor deems necessary for monitoring any ocular Medical diagnosis. 
 
Why doesn’t my health insurance cover my eye glass prescription? 
Although eye refractions are an integral part of a comprehensive eye examination, they are specifically excluded from coverage by Medicare and most Medical Insurance Plans (HMO’s and PPO’s).  Refractions are considered routine eye examinations for prescriptions for eyeglasses or contact lenses. Please see the CMS Publication “Your Medicare Benefits”. 
https://www.medicare.gov/coverage/eye-exams-routine 
  
Why are diagnostic pictures of my eyes not covered under my vision insurance? 
Vision insurance covers a once a year eye exam which includes; vision screening, a refraction which is the test performed to obtain a glasses prescription, dilation, and benefits towards glasses/ contact lenses. Think of this similar to benefits for an X-ray; photos are a diagnostic tool to assist the doctor in the treatment of eye conditions.  If a patient has a medical condition and we take a photo, it is billed to their medical insurance.  
  
Do we accept all HMO plans? 
No. If you have an HMO you are assigned a medical group. A medical group determines which doctors you can see that are contracted with your particular health plan. We are only contracted with certain medical groups which is why we do not take all HMO plans. If you are unsure which medical group you are assigned to, we recommend calling your primary care provider. Here is a list of the medical groups we are contracted with: 
·         Optum Care Network (OCN), previously known as Primary Care Associates (PCA) 
·         Greater Tri-City  
·         Scripps Coastal 
·         Graybill 
·         Perlman 
I have Medicare; why don’t they cover me 100% for my exam? 
Medicare has an annual deductible that must be met.  Once that deductible is met, Medicare will cover the patient at 80% leaving a 20% responsibility for the patient.  There are supplemental plans to Medicare that one can purchase to cover the portion that Medicare doesn’t cover. 
  
What’s the difference between Morris Eye Group and a Big Box Eye Care Center? 
Big box eye care centers only provide vision exams.  Morris Eye Group is a full-service medical practice that provides medical diagnosis, treatment and surgical services including; cataract surgery, LASIK, glaucoma management and treatment, and corneal treatments.  In addition to medical services, we have the largest optical dispensary in North County San Diego providing our patients with quality glasses and contact lenses. When a patient chooses to get full eye care with us, from start to finish, we have the ability to titrate any issues that arise after glasses have been dispensed because we monitor and control the process. If a patient elects to purchase eyewear elsewhere we have don’t have control on; materials/brand used, coding used, or how qualified the optician taking measurements. At Morris Eye Group, we use quality brands for our lenses and have access to choices for higher prescriptions, prism, and other brands should what we selected not work for the patient. Most of our opticians are licensed and certified and have a combined experience in optics of over 50 years. 
3 Comments
Melony Kleton
3/29/2023 02:57:11 pm

LOVE SPELL TESTIMONY

Thank you so much DOCTOR ODUNGA for making my ex boyfriend come back to me. I am writing this wonderful testimony in respect of this man. He made all my wishes come true. My boyfriend and I dated for more than 3 years and although we had had so many quarrels we never thought of a break up. One day, he called me over the phone telling me how he is tired of the relationship and cannot see anywhere that we are heading to. Months passed and my boyfriend did not contact me anymore and I did not hear from him anymore and his cell phone was disconnected. I knew I needed to seek help because of the love I have for him. I contacted this great spell caster because i have never contacted anyone before and i tell you that after a week of contact, my ex boyfriend called me and asked to see me and the next morning, he wore a ring on my finger. I am very happy because I am soon going to be a married girl with the help of this great spell caster. I promised to manifest your works to everyone and please contact this man to help you

Email: odungaspelltemple@gmail.com OR contact him on WhatsApp +2348167159012.

Reply
Kylie Rose
4/24/2023 01:37:50 am

REAL EFFECTIVE SPELL CASTER WHO CAN HELP YOU BRING BACK EX LOVER AND STOP DIVORCE EMAIL: KALALOVESPELL@GMAIL.COM

I want to share my amazing experience with everyone about a spell caster called Dr Kala, my husband was cheating on me and when I found out we had a fight which led to him filing for a divorce, I cried and begged him to forgive me but he insisted on divorcing me. When i was searching about love quotes online i saw people talking about Dr Kala and his great work on how he help them to resolve their love problem whose case was similar to mine they left his contact info and i contacted him and he told me not to worry that after 24hrs my husband will cancel the divorce and come back to me after i did everything he asked me to do, to my greatest surprise after 24hrs, my husband came back and he knelt down begging me to accept him back and he promised me he will never cheat or leave me again. He cancelled the divorce and returned back home. Thank you once again Dr Kala you are indeed a blessing to me.You can also contact Dr Kala to help you get your ex back and stop your divorce, Dr Kala email is kalalovespell@gmail.com or WhatsApp +2347051705853

Reply
Britney Cuela
4/27/2023 10:53:01 am

I want to say a big thank you to the man who is behind my smile today by reuniting me and my Husband after he divorced me, Dr Kala who is a very powerful spell caster brought my husband back to me and my husband beg me to forgive him for everything he did to me, i really missed him so much and always loved him. I'm happy to have him back in my life and all my appreciation goes to Dr Kala for helping me and bringing my husband back to my life with his great powers. My friends out there who are going through marriage problems and divorce issues, I assure you that you can get your lover back to your life with the help of Dr Kala. You can reach him on his email: kalalovespell@gmail.com or you can call and WhatsApp him on his phone number +2347051705853. Once again I really appreciate the work Dr Kala did for me and he is truly the relationship doctor.

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Encinitas Location

477 N. El Camino Real Suite C202
Encinitas, CA 92024
​Tel:
(760) 631-3500

Fax: (760) 753-5150
Click To Schedule Appointment
Directions

Vista Location

1930 Via Centre 
Vista, CA 92081
​Tel: 
(760) 631-3500

Fax: (760) 941-7448
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San Diego Top Doctors 2019 - Morris Eye Group

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  • About Us
    • Our Doctors >
      • Jeffrey B. Morris, M.D.
      • Ardalan Eddie Aminlari, M.D.
      • Eric W. Johnston, M.D.
      • Christina Kytasty, D.O.
      • Connie Tan, O.D.
      • Mona Moshtaghi, O.D.
      • Kevin Solis, O.D.
    • Our Practice & Facilities
    • Patient Testimonials
    • Our Technology
    • In The News
    • Join Our Team
    • Blog
    • CDC COVID Symptom Test
  • Services
    • Cataract Center
    • Dry Eye Center
    • LASIK Center
    • Glaucoma Center
    • Cornea Center
    • Optical Center
    • Aesthetic Center
    • Subspecialist
    • Comprehensive Eye Exam >
      • Refractive Errors
      • Pediatric Eye Exams
      • Diabetic Eye Disease
      • Macular Degeneration
      • Retinal Detachment
      • Floaters & Flashes
      • 10 Tips For Healthy Eyes
  • Patient Information
    • Schedule Appointment
    • Patient Education
    • Patient Forms
    • Patient Portal
    • Pay a Bill
    • Insurance
    • CareCredit Financing
    • Flex Spending & Tax Resources
    • Surgery Center Information
    • Cataract Pre and Post Surgery Videos
  • Online Store
    • Contact Lenses
    • Macuhealth
    • Macuhealth Plus
  • Contact Us