What Is Refraction & Why Doesn't Health Insurance Cover It?

A refraction is a test done by your eye doctor to determine if glasses will make you see better and what your prescription is.

The charges for a refraction are covered by some insurances but not by all.

For example, Medicare does not cover refractions because they consider it part of a “routine” exam and Medicare doesn’t cover most “routine” procedures--only health-related procedures.

So if you have a medical eye problem like cataracts, dry eyes, or glaucoma then Medicare and most other health insurances will cover the medical portion of the eye exam but not the refraction.

Some people have both health insurance--which covers medical eye problems--and vision insurance--which covers “routine” eye care (no medical problems) such as refractions and eyeglasses.

If you come in for a routine exam with no medical eye problems or complaints and you have a vision plan, then the refraction is usually covered by your vision insurance.  But what if you have a known issue (cataracts, dry eyes, diabetes, etc) AND need a refraction?  It depends on the plan(s) of course which greatly vary in the what they permit and approve.  Some health plans work with these vision plans through a process called coordination of benefits to allow both same day, while others do not and either require the patient to pay the non-covered refraction test, or return a second time to address each (the routine and non-routine) issues individually.  

Confused yet? You're not alone, but we must follow the rules the insurance companies make. Bottom line: insurance is (overly) complicated.

STOP Fishing Mucous out of Your Eyes!

The tears that coat the surface of your eyes have both a liquid and a mucous layer to them. It is normal to have a small amount of mucus in your tear film. But that mucus can significantly increase when the eye gets irritated.

Some of the most common causes of irritation that can make the eye overproduce mucus are:

  • Conjunctivitis, which could be caused by an allergy, bacteria, or virus
  • Blepharitis, which is an inflammation of the eyelids
  • Dry Eye Syndrome

When any of these conditions occur, the eye will begin to make more mucus.  

Sometimes the mucous production really is excessive and there is a temptation to keep pulling it out with either your fingers or a cotton swab. DON'T DO THIS--it will just lead to recurring irritation and problems.

Any mucus that gets deposited OUTSIDE the eye on the outer eyelid or on the lashes is fair game for removal. In fact, anything on the exterior of the eyelid or stuck to the eyelashes should be cleaned off.  Just don’t reach INSIDE the eyelids.

Every time you go inside the eye to remove mucus, your finger or a cotton swab further irritates the eye and causes it to make even more mucus and you end up with the viscious cycle that we call mucus fishing syndrome.

If you have an acute problem that is causing excessive mucus, you need to try and get the underlying problems treated and under control. That means treating the allergy, blepharitis, infectious conjunctivitis, or dry eye syndrome.

In addition, you need to STOP putting your fingers in your eye and pulling the mucus out. Sit on your hands if you have to--but you have to stop or it is never going to get better.

If you have gone through treatment for the original problem but still find yourself pulling mucus out of your eye, you may need your doctor to try a steroid drop in order to decrease the production and try to help you get out of the habit of putting your fingers in your eyes.

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Our doctors and staff are committed to providing thorough care with personal attention. At Eye Doctors of Madison, you will find the compassionate care of a small-town doctors' office with the knowledge of a big-city institution. It is our mission to not only treat each patient uniquely but also like family.

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