Eye doctors accepting Arab Orient Insurance in Jordan

Using health insurance with eye doctors

An eye doctor visit for a medical complaint is often covered as an outpatient service at network clinics, with a co-payment. Glasses and lenses, however, fall under a separate optical benefit with its own limit in many policies or are excluded, and surgery and some advanced tests usually need prior approval. It helps to know what your insurance includes before the visit rather than at the payment desk.

Often covered

• An eye exam for symptoms such as redness, pain or sudden blurred vision is often covered as an outpatient visit.
• Treatment of eye infections and allergies, including prescribed drops, is covered by many policies at network pharmacies.
• Eye pressure measurement and retinal exams for people with diabetes or glaucoma are often included in cover.
• Cataract surgery is covered by many policies after prior approval and within a specified type of lens.

Often excluded, limited or needing approval

• Laser vision correction is often excluded because it is considered elective rather than medically necessary.
• Prescription glasses and contact lenses are excluded by many policies or capped under an optical benefit.
• Retinal imaging scans and visual field tests often need prior approval before they are done.
• Premium multifocal lenses in cataract surgery are often not covered except for a difference the patient pays.

Check before you book

• Check whether your policy includes an optical benefit for glasses and lenses, and what its limit and frequency are.
• Ask whether a refraction test for a glasses prescription is covered, or only visits for eye disease.
• Before any laser treatment, eye injection or surgery, ask the clinic to submit the prior approval request and wait for the reply.
• Bring your insurance card, ID and current glasses, and ask for an itemized invoice for each test and procedure.