Factors that Affect the Cost of an Eye Exam
Eye exams aren’t one-size-fits-all. Several factors come into play that can influence the final price, including where you have the exam, the types of tests performed during the exam, the specifics of your insurance coverage, and any customizations or extra services you opt for.
Where You Get the Exam
Eye exam costs can vary depending on the type of provider. In general, retail providers like Pearle Vision tend to offer competitive prices and package deals, while independent optometrists or ophthalmologists may charge higher prices.
A common misconception is that retail providers employ eye doctors who are less qualified than those who operate independently. This is simply not true. All optometrists, regardless of where they practice, must undergo proper medical training and hold the credentials necessary to perform eye exams.
What Tests Are Performed
The range of tests performed during your eye exam will also impact the cost. A basic or routine eye exam typically costs less than a comprehensive exam that includes more specialized tests, such as a retinal examination or glaucoma screening. It may also cost more if the optometrist uses an Optomap to examine your eyes as opposed to dilating them.
If you require contact lens fitting, this typically incurs an additional cost since it involves further testing and evaluation.
What Your Insurance Covers
The specifics of your insurance plan play a significant role in the cost of your eye exam. While many insurance plans cover a portion of the exam cost, they often require a copay, which is an out-of-pocket expense for you.
Additional costs not covered by your insurance, such as certain tests or procedures, will also incur out-of-pocket costs.
Customizations
Optical customizations can also add to the cost of your eye care. Progressive lenses will typically cost more than single vision lenses. And add-ons such as anti-reflective coating, tinting, and blue light protection may cost extra.
The cost of eyeglass frames will vary based on materials and features. However, you can use benefits from your vision insurance or Health Saving Account (HSA) or Flexible Spending Account (FSA) to offset these costs.
