Need clarity on your eye care coverage? Richmond Hill Optometric Clinic helps you understand what your plan includes, and how to get the most from it.
Vision Insurance Isn’t the Same as Medical Insurance
One of the most common questions we hear at Richmond Hill Optometric Clinic is: “Does my insurance cover this?” The answer depends, not all plans are created equal, and vision insurance in Ontario is different from medical coverage.
Vision insurance is meant to help reduce the cost of routine eye care like annual exams, glasses, and contact lenses. Medical insurance, on the other hand, steps in when there’s an injury, eye infection, or chronic condition such as glaucoma.
We accept a wide range of insurance plans, including Sun Life, Manulife, Desjardins, Green Shield, and more. If you’re unsure about your coverage, our team will gladly help you review the details.
What Your Vision Insurance Might Include
Depending on your policy and provider, you could be covered for:
- Annual or biannual comprehensive eye exams
- Prescription glasses or contact lenses
- Lens coatings or specialty lenses
- Pediatric eye care
- Follow-ups and routine screenings
It’s worth noting that not all plans are the same — and some benefits reset annually. Knowing what’s covered (and when) can help you make smarter choices about your care and avoid surprise expenses.
How We Help You Navigate Your Insurance
Let’s be honest, insurance paperwork can be frustrating. At Richmond Hill Optometric Clinic, we make it easier. Our staff is trained to help you understand your plan, clarify confusing terms, and file claims correctly so you don’t leave benefits unused.
If you need help:
- Verifying eligibility for services or glasses
- Filing claims directly with your provider
- Figuring out co-pays or how much coverage you have left
—we’re here for that. Our team handles these conversations daily, and we’ll walk you through it step by step.
Covered by OHIP? Here’s What to Know
The Ontario Health Insurance Plan (OHIP) provides limited vision care coverage based on age and medical need. It may cover:
- One major eye exam every 12 months for children under 20 and seniors over 65
- Specific eye care for patients with certain medical conditions (like diabetes or glaucoma)
- Emergency eye care
If you fall outside those categories, or need prescription eyewear, private vision insurance or out-of-pocket payment may be required. That’s why understanding your policy — and using it fully — matters.
Your Partner in Eye Care, Coverage & Comfort
We’re more than your eye doctor. At Richmond Hill Optometric Clinic, we’re your insurance allies — helping you avoid missed opportunities and get the care you need, when you need it.
Our clinic proudly serves Richmond Hill, Markham, Vaughan, Aurora, and surrounding areas. Whether you’re due for a check-up or picking out your next pair of frames, we’ll make sure your benefits go to good use.
Call 905‑883‑1010 or book your eye care appointment now to speak with our team and maximize your vision benefits.
Frequently Asked Questions About Vision Insurance
Is vision insurance the same as OHIP?
No. OHIP is government-run health coverage. Vision insurance is a separate, often private plan that helps pay for routine eye care and eyewear.
What does vision insurance usually cover?
Most plans offer full or partial coverage for annual eye exams, glasses, contact lenses, and sometimes specialty services like dry eye treatment.
Do my vision benefits expire?
Yes, many vision plans reset at the end of the calendar year. If you don’t use your coverage before the reset, you may lose it.
What if I don’t see my insurance listed?
Call our office — we may still accept your plan, or we can help you submit claims independently.
Can I claim both an exam and glasses in one year?
In most cases, yes. Many plans include separate allowances for exams and eyewear within the same coverage year.