Massachusetts Health & Accident Insurance Practice Exam

What is a common exclusion in vision care coverage?

1. Routine eye exams

2. Glasses and contact lenses

3. Lasik surgery

4. Injury-related eye treatment

The correct answer is: Lasik surgery

In many vision care plans, Lasik surgery is commonly excluded from coverage. This is due to the nature of corrective procedures being categorized differently than standard vision care needs. Vision insurance typically focuses on routine care, such as eye exams, prescription glasses, and contact lenses, which are considered necessary for maintaining eye health for individuals with refractive errors. The rationale behind excluding Lasik surgery is based on the perception that it is an elective procedure rather than a necessity. Many insurers view it as a cosmetic enhancement, similar to other surgical options that correct vision but do not treat a medical condition. As such, individuals seeking this type of surgery may need to pay for it out-of-pocket or through separate health insurance that covers surgical procedures. Routine eye exams, glasses, and contact lenses are usually covered, as these are essential components of preventive eye care. Injury-related eye treatment tends to be covered under most plans, since it addresses acute medical situations that fall within the standards of necessary care. This distinction is important to understand in the context of vision insurance and the coverage options provided by typical policies.