Vision insurance” really isn’t insurance, but rather a benefit that covers some of your costs for eyewear and eye care. It is meant to be used for “routine” care when you aren’t having a problem but want to be sure everything is OK, like having an annual screening exam with your Primary Care Physician. It often, but not always, includes a discount or allowance toward glasses or contact lenses. It is usually a supplemental policy to your medical health insurance. Medical health insurance covers, and must be used when an eye health issue exists. This includes pink eye, eye allergies, glaucoma, floaters, cataracts, diabetes, headaches, and many other conditions. Blurry vision is covered medically if it relates to a medical condition, for example the development of a cataract. For some reason, however, it is considered non-medical if the only finding is the need for glasses or a change of prescription. Of course you can’t know this until you have the exam. In this case, with vision coverage, you would only be responsible for your co-pay, but with medical coverage without vision coverage, you’d be responsible for the usual charge.